When it comes to scaling a real estate portfolio, access to flexible and efficient financing can make or break a deal. That’s where DSCR loans — like the ones we offer at A&S Capital — prove to be a game changer.
As Alexis Agopian, co-founder of A&S Capital, and Ezequiel Cerrini, Head of Originations, recently discussed, the biggest advantage of DSCR (Debt Service Coverage Ratio) loans is that they focus on the income potential of the property, not the borrower’s personal finances.
“No W2s, no tax returns,” Ezequiel emphasized. “We're looking at the property’s cash flow, not the sponsor’s income.” This streamlined underwriting process eliminates one of the most time-consuming hurdles investors face when dealing with traditional banks. In other words, fewer documents, faster approvals, and less friction overall.
For investors actively looking to close deals in competitive markets, that speed and simplicity matters.
“Once banks start asking for paper after paper, it gets out of control,” Alexis noted. With DSCR loans, the process is not only more investor-friendly but often just as, if not more, competitive in terms of pricing. “Right now, you’re looking at a 50-basis-point difference at most between bank loans and DSCR loans,” Ezequiel added. “It doesn’t make sense to go the traditional route anymore.”
A&S Capital’s 30-Year Fixed DSCR Loans are designed specifically for real estate investors targeting single-family homes, multifamily up to 10 units, condos, townhomes, and even short-term vacation rentals. With rates starting at 6.5% and options like 5/6 ARM, 7/6 ARM, and 10/6 ARM, these loans offer the flexibility and stability today’s investors need.
If you’re seeking long-term leverage without the red tape of bank financing, DSCR loans provide a smarter, more scalable path forward.
At A&S Capital, we make real estate lending make sense—so you can focus on growing your portfolio.
