Best DSCR lenders for real estate investors in New Mexico

GHC Funding
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Published: February 8, 2026
Categories: blog
Reading Time: 3 minutes read
Article Credits

Contributing Author & Editorial Review

This article was authored and professionally reviewed to provide accurate, actionable financial insights.

GHC Funding

GHC Funding

Contributing Author

Alyssa writes about real estate investing, debt-free strategies, and emerging trends in small business finance with a focus on practical insights.

Samantha Reyes

Samantha Reyes

Senior Content Editor

Samantha specializes in editorial strategy, compliance review, and refining complex finance topics into accessible, reader-friendly guidance.

Content is provided for educational purposes only and should not be considered legal, tax, or financial advice.

DSCR Loan

DSCR Rental Loan Highlights

  • Qualification based mainly on property cash flow (DSCR).
  • No personal income docs required for many programs.
  • Financing for 1–8 unit rentals, portfolios, and many STR/Airbnb deals.
  • Up to 80% LTV on purchases and 75% LTV on cash-out (program-dependent).
  • 30-year fixed and interest-only options available.
Get a Pre-Approval or Rate Quote
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Best DSCR Lenders for Real Estate Investors in New Mexico

Imagine you’re Maria, a real estate investor in Albuquerque, New Mexico. You’ve been building your portfolio steadily, but you’re ready to take the next big step. You’ve heard about DSCR loans but are unsure where to start. This scenario is common among New Mexico’s vibrant investor community, where finding the right lender can be a game-changer.

In this article...

Understanding DSCR Loans

Debt Service Coverage Ratio (DSCR) loans are essential for real estate investors looking to expand. These loans assess the property’s ability to cover its debt obligations, making them a perfect fit for investors like Maria who rely on rental income. In plain English, it’s a loan based on cash flow rather than personal income.

New Mexico, with its diverse cities like Santa Fe and Las Cruces, offers unique opportunities. The state’s steady rental market and growing economy make it an attractive place for investors. A DSCR loan can help you leverage these conditions effectively.

Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

⚡ Key Flexible Funding Options:

GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:

Top Pick

DSCR Rental Loan

Best for: Scaling rental portfolios
★★★★★ 4.8/5 (120 reviews)
Starting rate~7–9%+
Loan amounts$100K – $5M+
Term30 yr fixed / ARMs
Highlights
  • No tax returns required
  • Qualify using rental income (DSCR-based)
  • Fast closings ~3–4 weeks
Check DSCR Rates

SBA 7(a) Loan

Best for: Owner-occupied commercial real estate
★★★★★ 4.6/5 (89 reviews)
RatePrime + spread
Loan amounts$350K – $5M+
TermUp to 25 years
Highlights
  • Lower down payments vs banks
  • Long amortization improves cash flow
  • Good if your business occupies 51%+
Explore SBA Options

Bridge Loan

Best for: Fast closing + value-add deals
★★★★☆ 4.4/5 (72 reviews)
RateVaries by deal
Loan amounts$250K – $15M+
Term6–24 months
Highlights
  • Close quickly — move on opportunities
  • Flexible underwriting
  • Great for value-add or transitional assets
Talk to a Specialist
Low Rates

SBA 504 Loan

Best for: Large CRE acquisitions & refinancing
★★★★★ 4.7/5 (101 reviews)
RateFixed, low CDC rate
Loan amounts$500K – $12M+
Term10, 20, 25 years
Highlights
  • Low fixed rates through CDC portion
  • Great for construction, expansion, fixed assets
  • Often lower down payment than bank loans
Check 504 Eligibility

🌐 Learn More

For details on GHC Funding's specific products and to start an application, please visit our homepage:

GHC Funding Homepage

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  • Who needs it? Real estate investors focused on income-generating properties.
  • Why New Mexico? Competitive market conditions, steady rental demand, and favorable growth prospects.

Best DSCR Lenders in New Mexico

Finding the right lender in New Mexico is crucial. Here are some of the best options:

  • Lender A: Known for quick approvals and flexible terms.
  • Lender B: Offers competitive interest rates tailored for the New Mexico market.
  • Lender C: Specializes in helping first-time investors with DSCR loans.

These lenders understand the local market and offer tailored solutions that meet New Mexico investors’ needs.

Important Considerations

When applying for a DSCR loan, keep these factors in mind:

  • Credit Score Requirements: Most lenders require a minimum score of 680.
  • Approval Time: Typically, approvals take 30-45 days, depending on the lender.

Avoid these common mistakes:

  • Overestimating rental income potential.
  • Ignoring property management costs.
  • Neglecting to factor in local market conditions.

Case Study: Success in Santa Fe

Consider John, a real estate investor in Santa Fe. He leveraged a DSCR loan to acquire a multifamily property. With a credit score of 720, he secured a loan of $500,000. Within 40 days, he was able to close the deal, and his rental income now covers 1.5 times his monthly loan payments.

Frequently Asked Questions

  • What is a DSCR loan? It’s a loan based on a property’s income potential, not personal income.
  • How is DSCR calculated? Divide net operating income by total debt service.
  • Can I use a DSCR loan for residential properties? Yes, primarily for income-generating ones.
  • Is a down payment required? Typically, yes, around 20-25%.
  • What if my credit score is below 680? Some lenders might offer options with higher interest rates.

Get a Free Rate Today

Compare our top-rated commercial and investment property loan programs below.

DSCR Loan
⭐ 4.8/5
  • No income verification
  • 30-year fixed | Interest-only available
  • Great for rental properties + STR
  • Fast approvals
Check My Rate
SBA 7(a) Loan
⭐ 4.9/5
  • Working capital + business acquisition
  • Up to $5M
  • Low down payment
  • Long-term financing
Check My Rate
SBA 504 Loan
⭐ 4.9/5
  • Owner-occupied CRE
  • Low fixed rates | 25-year terms
  • Great for business expansion
  • Refinance available
Check My Rate
Bank / CRE Loan
⭐ 4.7/5
  • Best for stabilized properties
  • Competitive rates
  • 12–25 year terms
  • Lower fees than private lenders
Check My Rate

Compare Loan Types

Find the Right Financing for Your Real Estate or Business Project

Loan Type Best For Rates Terms Highlights Apply
DSCR Loan Rental properties (LTR & STR) 5.99%+ 30-year fixed, IO options No income docs, fast approvals, great for investors Check My Rate
Construction Loan Ground-up, fix & build, major renovations 8%–12% depending on scope 12–24 months interest-only Flexible draws, great for builders & developers Get a Quote
SBA Loan Business acquisition, working capital, CRE Prime + spread 10–25 years Lowest down payments, long terms, best for business growth See My Options

Take the Next Step

Ready to expand your real estate portfolio in New Mexico? Contact GHC Funding today. Our expert team is here to help you find the best DSCR loan tailored to your needs. Let us guide you through the process with confidence.

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Get a No Obligation Quote Today.


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GHC Funding DSCR, SBA & Bridge Loans
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