Debt-Service Coverage Ratio (DSCR) Loans:

AZVIA’s 1-10 Unit DSCR Loan Program offers flexible financing, specifically for small-scale real estate investors who are looking to acquire or refinance multi-family properties up to 10 units. Our approach focuses on the property’s income-generating potential, allowing you to secure financing based on the asset’s performance rather than traditional credit underwriting.


Whether you are expanding your rental portfolio or refinancing existing assets, we provide competitive rates, streamlined approvals, and customized terms to meet the unique needs of our investors. Our team is committed to delivering fast, reliable capital solutions that help you maximize the performance of your real estate investments.

Assets Classes:

  • 1-10 Units
  • Condos (Warrantable/ Non-Warrantable)
  • Portfolios
  • Planned Unit Development (PUD)
  • Short Term Rentals
  • Single Family Homes
  • Townhomes
Loan Size:$50K – $5M+
LTV:
  • Purchase: 90%
  • Refinance(Cash out): 80%
  • Refinance(Rate and term): 80%
Rates:6%+ (Fixed)
Term:30 years
Origination:1-4 points
Pre-Payment Penalty:
  • 5 Year
  • 3 Year
  • 1 year
  • No PPP
Location:Nationwide except AZ, ID, MN, NE, NJ, ND, NV, NY, OR, RI, PA, SD, UT, and VT
Other:
  • First time investors welcome
  • Foreign national welcome
  • Minimum $75K “as-is” value
  • No credit minimum options
  • No seasoning for rehabbed properties
  • Rural Properties okay
  • Wholesale fee can be financed