Investing in real estate is one of the most powerful ways to build long-term wealth — and apartment buildings offer a unique opportunity to create consistent monthly income, tax advantages, and financial freedom. If you’re ready to start building your portfolio but aren’t sure how to qualify for a loan, the DSCR (Debt Service Coverage Ratio) Loan might be exactly what you need.

In this post, we’ll break down how the DSCR loan works, why apartment buildings are a smart investment, and how to get started — with support every step of the way.

What is a DSCR Loan?

A DSCR loan is designed specifically for real estate investors. Unlike traditional loans that require tax returns, pay stubs, and income verification, the DSCR loan qualifies you based on how much income the property produces — not your personal income.

This makes it a game-changer for:

  • Self-employed individuals

  • First-time investors

  • Buyers with multiple properties

  • People buying under an LLC or Corporation

Key Features of a DSCR Loan:

  • No income or employment verification required

  • Interest-only payment options for up to 10 years

  • Close in your LLC or Corporation name

  • Available for long-term and short-term rentals (Airbnb/VRBO)

  • Fast, streamlined approval process

  • Minimum credit score: 620

  • Down payments starting at 20%

  • Property types: 2–4 unit buildings, condos, townhomes, single-family homes, and more

Why Invest in an Apartment Building?

Apartment buildings are more than just real estate — they’re a cash flow strategy. Here’s why more investors are making the move:

1. Steady Monthly Income

Multiple units mean multiple rent checks. Even if one unit is vacant, you still earn from the others — offering stability and predictability.

2. Appreciation Over Time

Well-located apartments increase in value, building your net worth even as your tenants pay down the mortgage.

3. Tax Benefits

Depreciation, operating expense deductions, and mortgage interest write-offs can all help reduce your taxable income.

4. Scalability

Owning a 4-unit building is more efficient than owning four separate homes. You can grow faster and manage less.

5. Leverage

With financing, you can control a large asset with a relatively small upfront investment.

Tips to Get Started

Here’s how to begin your journey to apartment ownership:

1. Set a Budget and Goal

Decide how much you can invest and what kind of monthly income you’re looking to generate.

2. Understand the Numbers

Focus on properties that generate enough income to cover the loan (DSCR of 1.0 or higher). Our team can help analyze deals.

3. Get Pre-Qualified

By using a DSCR loan, we can pre-qualify you quickly based on the rent the property earns — no tax returns needed.

4. Work With a Real Estate Professional

We help you find the right building in the right location — properties that fit your goals and qualify for the loan.

5. Prepare for the Purchase

We’ll walk you through each step, from submitting the loan to closing the deal and beyond.

How We Can Help

At Bona Realtors, we make the process simple and investor-friendly. We help you:

  • Get Pre-Approved Fast through our trusted partner, Loanverse

  • Find the Right Property that meets your cash flow and growth goals

  • Structure Your Offer to compete in today’s market

  • Support You After the Purchase with referrals for property management, insurance, and tax planning

You’re not just buying a building — you’re building a future. And we’re here to help you every step of the way.

Ready to Buy Your First Apartment?

Start now by exploring the DSCR loan program and learning what you qualify for.

COMPLETE FORM. WE WILL CONTACT YOU SHORTLY.