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2. Bank statement loan: What is it and who should get one? - AOL

   www.aol.com/finance/bank-statement-loan-one...

   Bank statement loan requirements. ... DSCR loans: If you’re a real estate investor, you might qualify for a debt service coverage ratio (DSCR) loan, which is based on your portfolio’s cash ...

3. Debt-service coverage ratio: What is it and how do you ... - AOL

   www.aol.com/finance/debt-coverage-ratio...

   Most lenders want to see a debt-service coverage ratio of at least 1.25. But, lender requirements will vary depending on the type of business loan and lender you select. Is a higher DSCR better?

4. Debt service coverage ratio - Wikipedia

   en.wikipedia.org/wiki/Debt_service_coverage_ratio

   The debt service coverage ratio (DSCR), also known as "debt coverage ratio" (DCR), is a financial metric used to assess an entity's ability to generate enough cash to cover its debt service obligations, such as interest, principal, and lease payments. The DSCR is calculated by dividing the operating income by the total amount of debt service due.

5. Commercial mortgage - Wikipedia

   en.wikipedia.org/wiki/Commercial_mortgage

   Lenders usually require a minimum debt service coverage ratio which typically ranges from 1.1 to 1.4; the ratio is net cash flow (the income the property produces) over the debt service (mortgage payment). As an example if the owner of a shopping mall receives $300,000 per month from tenants, pays $50,000 per month in expenses, a lender will ...

6. How to get a mortgage - AOL

   www.aol.com/finance/mortgage-180956822.html

   FHA loans: FHA loans, insured by the Federal Housing Agency (FHA), have more flexible financial requirements than conventional loans. They require a 3.5 percent down payment, a credit score of at ...

7. Loan servicing - Wikipedia

   en.wikipedia.org/wiki/Loan_servicing

   Loan servicing is the process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal, and escrow payments from a borrower. In the United States, the vast majority of mortgages are backed by the government or government-sponsored entities (GSEs) through purchase by Fannie Mae, Freddie Mac, or Ginnie Mae (which purchases loans insured by the Federal Housing ...