# Roxford Holdings Inc. — Complete Program Reference

> Roxford Holdings Inc. is a nationwide licensed mortgage lender (NMLS #1843021) headquartered in Katy, Texas. This document provides comprehensive details on all financing programs, qualification criteria, application processes, and frequently asked questions.

## Company Information

- Legal Name: Roxford Holdings Inc.
- NMLS Number: #1843021
- Headquarters: 23015 Colonial Parkway, Building A, Suite A108-2, Katy, TX 77449
- Phone: (888) 466-5422
- Email: info@roxfordholdings.com
- Website: https://roxfordholdings.com
- XML sitemaps: https://roxfordholdings.com/sitemap.xml (index only; crawlers open each linked `/sitemaps/N` child automatically. In Google Search Console, submit this single index URL, not each child file.) The same index XML is also served at `/sitemaps` and `/sitemaps/` redirects to `/sitemaps` if a tool requests the folder URL.
- Service Area: All 50 U.S. states
- Specialties: Residential mortgages, commercial real estate financing, investment property loans, specialty programs for non-traditional borrowers

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## RESIDENTIAL LOAN PROGRAMS

### FHA Loans
- URL: https://roxfordholdings.com/programs/fha-loans
- Type: Government-backed (Federal Housing Administration)
- Down Payment: As low as 3.5% (with 580+ credit) or 10% (with 500-579 credit)
- Terms: 15-30 years fixed
- Credit Score: 580+ for 3.5% down; 500-579 for 10% down
- DTI Ratio: Up to 57%
- Timeline: 30-45 days to close
- Key Features: Assumable loans, streamline refinancing available, flexible credit guidelines
- Who Qualifies: First-time homebuyers, borrowers with limited savings, buyers with higher DTI ratios, those 2+ years after bankruptcy discharge
- How It Works: (1) Get pre-approved with financial documents, (2) Find FHA-eligible property, (3) Complete FHA appraisal, (4) Finalize with underwriting, (5) Close in 30-45 days
- FAQ: FHA loans require mortgage insurance for the life of the loan. They are only for primary residences. FHA loan limits vary by county.

### Conventional Loans
- URL: https://roxfordholdings.com/programs/conventional-loans
- Type: Traditional (not government-backed), conforming to Fannie Mae/Freddie Mac guidelines
- Down Payment: 3-20%
- Terms: 10-30 years, fixed and adjustable
- Credit Score: 620+ (best rates at 740+)
- Timeline: 25-40 days to close
- Key Features: PMI removable at 20% equity, no government restrictions, higher loan limits, faster processing
- Who Qualifies: Borrowers with 620+ credit, stable income, 2+ years employment, primary/second homes/investment properties

### VA Loans
- URL: https://roxfordholdings.com/programs/va-loans
- Type: Government-guaranteed (Department of Veterans Affairs)
- Down Payment: 0% (zero down payment)
- Terms: 15-30 years
- Credit Score: Lower requirements than conventional
- Timeline: 30-45 days to close
- Key Features: No PMI ever, below-market rates, reusable benefit, no prepayment penalties, assumable
- Who Qualifies: Veterans (90+ days active duty), active duty service members, National Guard/Reserve (6+ years), eligible surviving spouses
- Requirements: Certificate of Eligibility (COE), primary residence only, VA funding fee may apply

### USDA Rural Loans
- URL: https://roxfordholdings.com/programs/usda-loans
- Type: Government-backed (U.S. Department of Agriculture)
- Down Payment: 0% (zero down payment)
- Terms: 30 years fixed
- Credit Score: Typically 640+
- Income Limits: Household income cannot exceed 115% of area median
- Location: Property must be in USDA-eligible rural or suburban area
- Key Features: Below-market rates, low mortgage insurance, no cash reserves required

### Jumbo Loans
- URL: https://roxfordholdings.com/programs/jumbo-loans
- Type: Non-conforming (exceeds Fannie Mae/Freddie Mac limits)
- Minimum Amount: $766,550+ (most areas); higher in high-cost areas
- Down Payment: 10-20%
- Terms: 15-30 years, fixed and adjustable
- Credit Score: 700+ typically
- Key Features: No loan ceiling, competitive rates, portfolio lending, flexible underwriting
- Requirements: Excellent credit, substantial reserves (6-12 months), documented income

---

## INVESTMENT PROPERTY PROGRAMS

### DSCR Loans (Debt Service Coverage Ratio)
- URL: https://roxfordholdings.com/programs/dscr-loans
- Qualification: Based on property cash flow, NOT personal income
- DSCR Formula: Monthly Rent ÷ Monthly Mortgage Payment (PITIA)
- Minimum DSCR: Typically 1.0 or higher
- Down Payment: 20-25%
- Terms: 30 years
- Timeline: 15-30 days to close
- Documentation: No tax returns, W-2s, or pay stubs required
- Property Types: Investment properties only (not primary residences)
- Entity Lending: Available for LLC, corporation, and entity borrowers
- Who Qualifies: Real estate investors, self-employed investors, foreign nationals, entity borrowers
- FAQ: DSCR is calculated by dividing monthly rent by the total monthly payment. A 1.0 means rent exactly covers the payment.

### DSCR Long-Form Guides (Investor Blog) — 119 Expert Articles

Roxford Holdings publishes 119 detailed DSCR loan guides for real estate investors. Each article includes FAQ, step-by-step HowTo, and structured data. State-localized versions are also available for each article.

- **Index (all DSCR articles):** https://roxfordholdings.com/blog/dscr
- **DSCR loans hub (apply):** https://roxfordholdings.com/dscr-loans
- **DSCR by state directory:** https://roxfordholdings.com/dscr-loans/states
- **State page pattern:** https://roxfordholdings.com/dscr-loans/states/{state-slug}
- **State-localized article pattern:** https://roxfordholdings.com/blog/dscr/{state}/{slug} (e.g. /blog/dscr/tx/..., /blog/dscr/fl/...)

#### DSCR Basics & Fundamentals
1. What Is DSCR for Rental Properties? A Plain-English Guide for Investors | Keyword: DSCR meaning rental property
   URL: https://roxfordholdings.com/blog/dscr/what-is-dscr-for-rental-properties-a-plain-english-guide-for-investors-1
2. How to Calculate DSCR on a Rental Property (With a Simple Template) | Keyword: how to calculate DSCR for rental property
   URL: https://roxfordholdings.com/blog/dscr/how-to-calculate-dscr-on-a-rental-property-with-a-simple-template-2
3. DSCR Below 1.0: No-Ratio and Low-Ratio Options Explained | Keyword: negative cash flow DSCR loan
   URL: https://roxfordholdings.com/blog/dscr/dscr-below-1-0-no-ratio-and-low-ratio-options-explained-20
4. Is a 1.15 DSCR 'Good Enough' for Pricing and Approval? | Keyword: DSCR loan debt service coverage ratio 1.15
   URL: https://roxfordholdings.com/blog/dscr/is-a-1-15-dscr-good-enough-for-pricing-and-approval-110
5. Market Rent vs. Actual Rent in DSCR Appraisals: How It Moves Your Ratio | Keyword: market rent vs actual rent DSCR
   URL: https://roxfordholdings.com/blog/dscr/market-rent-vs-actual-rent-in-dscr-appraisals-how-it-moves-your-ratio-19

#### DSCR vs. Other Loan Types
6. DSCR vs. DTI: Why Investment Loans Use Cash Flow, Not Pay Stubs | Keyword: DSCR vs debt to income
   URL: https://roxfordholdings.com/blog/dscr/dscr-vs-dti-why-investment-loans-use-cash-flow-not-pay-stubs-3
7. DSCR Loan vs. Conventional Investment Mortgage: Which Fits Your Next Deal? | Keyword: DSCR loan vs conventional investment property loan
   URL: https://roxfordholdings.com/blog/dscr/dscr-loan-vs-conventional-investment-mortgage-which-fits-your-next-deal-4
8. DSCR Loan vs. Bank Statement Loan for Investors | Keyword: DSCR loan vs bank statement loan
   URL: https://roxfordholdings.com/blog/dscr/dscr-loan-vs-bank-statement-loan-for-investors-pick-the-right-non-qm-pat-5
9. DSCR vs. Hard Money: Hold Strategy vs. Bridge Strategy | Keyword: DSCR vs hard money loan
   URL: https://roxfordholdings.com/blog/dscr/dscr-vs-hard-money-hold-strategy-vs-bridge-strategy-6
10. DSCR Loan vs. HELOC on a Rental | Keyword: DSCR loan vs HELOC rental
    URL: https://roxfordholdings.com/blog/dscr/dscr-loan-vs-heloc-on-a-rental-leverage-without-cross-collateral-29
11. Portfolio Lenders vs. DSCR Non-QM: Relationship Pricing Tradeoffs | Keyword: DSCR loan vs portfolio lender
    URL: https://roxfordholdings.com/blog/dscr/portfolio-lenders-vs-dscr-non-qm-relationship-pricing-tradeoffs-113

#### DSCR Loan Structure & Terms
12. Interest-Only DSCR Loans: Cash Flow Now vs. Equity Later | Keyword: interest only DSCR loan pros and cons
    URL: https://roxfordholdings.com/blog/dscr/interest-only-dscr-loans-cash-flow-now-vs-equity-later-7
13. DSCR ARM vs. Fixed Rate: Investor Scenarios That Favor Each | Keyword: DSCR ARM vs fixed investment property
    URL: https://roxfordholdings.com/blog/dscr/dscr-arm-vs-fixed-rate-investor-scenarios-that-favor-each-8
14. Prepayment Penalties on DSCR Loans: What Investors Should Negotiate | Keyword: DSCR loan prepayment penalty
    URL: https://roxfordholdings.com/blog/dscr/prepayment-penalties-on-dscr-loans-what-investors-should-negotiate-17
15. Seasoning Rules for DSCR: Purchase, Refi, and Cash-Out Timelines | Keyword: DSCR loan seasoning requirement
    URL: https://roxfordholdings.com/blog/dscr/seasoning-rules-for-dscr-purchase-refi-and-cash-out-timelines-18
16. Liquidity Reserves for DSCR Loans: How Many Months of PITIA? | Keyword: DSCR loan reserves requirements
    URL: https://roxfordholdings.com/blog/dscr/liquidity-reserves-for-dscr-loans-how-many-months-of-pitia-21

#### DSCR Rates, Pricing & Costs
17. DSCR Loan Rates in 2026: What Investors Should Expect | Keyword: DSCR loan rates today
    URL: https://roxfordholdings.com/blog/dscr/dscr-loan-rates-in-2026-what-investors-should-expect-and-what-moves-them-43
18. Minimum Credit Score for a DSCR Loan (and How to Improve Fast) | Keyword: DSCR loan minimum credit score
    URL: https://roxfordholdings.com/blog/dscr/minimum-credit-score-for-a-dscr-loan-and-how-to-improve-fast-44
19. DSCR Down Payment: 20% vs. 25% vs. 30% LTV Bands Explained | Keyword: DSCR loan down payment 20 percent
    URL: https://roxfordholdings.com/blog/dscr/dscr-down-payment-20-vs-25-vs-30-ltv-bands-explained-45
20. DSCR Closing Costs: How to Budget as a Rental Investor | Keyword: DSCR loan closing costs
    URL: https://roxfordholdings.com/blog/dscr/dscr-closing-costs-how-to-budget-as-a-rental-investor-47
21. Buying Down the Rate on a DSCR Loan: Breakeven for Landlords | Keyword: DSCR loan rate buydown
    URL: https://roxfordholdings.com/blog/dscr/buying-down-the-rate-on-a-dscr-loan-breakeven-for-landlords-41
22. Locking DSCR Rates: Float-Down, Extensions, and Market Moves | Keyword: DSCR loan float down lock
    URL: https://roxfordholdings.com/blog/dscr/locking-dscr-rates-float-down-extensions-and-market-moves-42
23. Do DSCR Loans Have PMI? Investor MI vs. LTV Pricing | Keyword: DSCR loan mortgage insurance
    URL: https://roxfordholdings.com/blog/dscr/do-dscr-loans-have-pmi-investor-mi-vs-ltv-pricing-40

#### Property Types & Investment Strategies
24. STR vs. LTR on DSCR Underwriting | Keyword: short term rental DSCR vs long term rental
    URL: https://roxfordholdings.com/blog/dscr/str-vs-ltr-on-dscr-underwriting-what-underwriters-actually-use-11
25. Airbnb / Short-Term Rental DSCR: Requirements in 2026 | Keyword: Airbnb DSCR loan requirements
    URL: https://roxfordholdings.com/blog/dscr/airbnb-short-term-rental-dscr-requirements-investors-should-expect-in-20-12
26. VRBO and DSCR Loans: Same Box as Airbnb, Different Proof | Keyword: VRBO DSCR mortgage
    URL: https://roxfordholdings.com/blog/dscr/vrbo-and-dscr-loans-same-box-as-airbnb-different-proof-13
27. DSCR on 2–4 Unit Properties: Rent Rolls and Expense Ratios | Keyword: DSCR loan for duplex triplex fourplex
    URL: https://roxfordholdings.com/blog/dscr/dscr-on-2-4-unit-properties-rent-rolls-and-expense-ratios-14
28. DSCR Loans on Condos: Warrantability, HOAs, and Investor Headaches | Keyword: DSCR loan condo investment property
    URL: https://roxfordholdings.com/blog/dscr/dscr-loans-on-condos-warrantability-hoas-and-investor-headaches-15
29. DSCR on New Construction Rentals | Keyword: DSCR loan new construction rental
    URL: https://roxfordholdings.com/blog/dscr/dscr-on-new-construction-rentals-timing-co-and-lease-start-16
30. Small Mixed-Use (1–4 Units) and DSCR | Keyword: DSCR loan commercial mixed use
    URL: https://roxfordholdings.com/blog/dscr/small-mixed-use-1-4-units-and-dscr-when-it-s-residential-vs-commercial-26
31. Rent-by-the-Room and DSCR: When Gross Rent Helps—or Hurts | Keyword: DSCR loan for student housing rental
    URL: https://roxfordholdings.com/blog/dscr/rent-by-the-room-and-dscr-when-gross-rent-helps-or-hurts-111
32. Rural Rentals and DSCR: Comp Challenges and Insurance Reality | Keyword: DSCR loan rural rental property
    URL: https://roxfordholdings.com/blog/dscr/rural-rentals-and-dscr-comp-challenges-and-insurance-reality-112

#### Entity & Borrower Structuring
33. Using an LLC for a DSCR Loan: Vesting, Docs, and Underwriting Reality | Keyword: LLC rental property DSCR loan
    URL: https://roxfordholdings.com/blog/dscr/using-an-llc-for-a-dscr-loan-vesting-docs-and-underwriting-reality-9
34. Foreign National DSCR Loans | Keyword: foreign national DSCR loan basics
    URL: https://roxfordholdings.com/blog/dscr/foreign-national-dscr-loans-passport-entity-and-property-income-focus-22
35. ITIN Borrowers and DSCR | Keyword: ITIN DSCR loan investment property
    URL: https://roxfordholdings.com/blog/dscr/itin-borrowers-and-dscr-documenting-income-without-a-traditional-w-2-23
36. Self-Employed Investors: Why DSCR Beats Tax Return Underwriting | Keyword: DSCR loan self employed investor
    URL: https://roxfordholdings.com/blog/dscr/self-employed-investors-why-dscr-beats-tax-return-underwriting-32
37. High W-2 Earners Still Choose DSCR: Privacy and Speed Use Cases | Keyword: DSCR loan W2 high earner
    URL: https://roxfordholdings.com/blog/dscr/high-w-2-earners-still-choose-dscr-privacy-and-speed-use-cases-33

#### Portfolio & Scaling Strategies
38. Financing Multiple Rentals: How Investors Stack DSCR Loans | Keyword: DSCR loan portfolio multiple properties
    URL: https://roxfordholdings.com/blog/dscr/financing-multiple-rentals-how-investors-stack-dscr-loans-10
39. Blanket Loans vs. Individual DSCR Loans: Portfolio Mechanics | Keyword: blanket loan vs individual DSCR loans
    URL: https://roxfordholdings.com/blog/dscr/blanket-loans-vs-individual-dscr-loans-portfolio-mechanics-24
40. Cross-Collateral DSCR Structures | Keyword: DSCR loan cross collateral
    URL: https://roxfordholdings.com/blog/dscr/cross-collateral-dscr-structures-pros-cons-and-release-risk-36
41. Your First DSCR Loan: Timeline from Offer to Keys | Keyword: DSCR loan first investment property
    URL: https://roxfordholdings.com/blog/dscr/your-first-dscr-loan-timeline-from-offer-to-keys-34
42. Second (and Third) DSCR Properties | Keyword: DSCR loan second investment property
    URL: https://roxfordholdings.com/blog/dscr/second-and-third-dscr-properties-what-changes-after-your-first-close-35

#### BRRRR, Refi & Exit Strategies
43. BRRRR and the DSCR Refi: Stabilization Checklist | Keyword: DSCR loan for BRRRR
    URL: https://roxfordholdings.com/blog/dscr/brrrr-and-the-dscr-refi-stabilization-checklist-before-you-apply-30
44. From Hard Money to DSCR: Refinance Timeline and Paperwork | Keyword: DSCR loan refinance from hard money
    URL: https://roxfordholdings.com/blog/dscr/from-hard-money-to-dscr-refinance-timeline-and-paperwork-31
45. House Hacking Exit: Moving from FHA/Owner-Occ to a DSCR Investor Loan | Keyword: DSCR loan for house hack
    URL: https://roxfordholdings.com/blog/dscr/house-hacking-exit-moving-from-fha-owner-occ-to-a-dscr-investor-loan-25
46. Duplex DSCR After You Move Out: One Unit Rented, One Vacant? | Keyword: DSCR loan for duplex house hack exit
    URL: https://roxfordholdings.com/blog/dscr/duplex-dscr-after-you-move-out-one-unit-rented-one-vacant-119
47. Using DSCR Cash-Out to Pay High-Interest Debt: Investor Framework | Keyword: DSCR loan pay off credit cards
    URL: https://roxfordholdings.com/blog/dscr/using-dscr-cash-out-to-pay-high-interest-debt-investor-framework-117

#### Application Process & Underwriting
48. DSCR Loan Application Checklist: Documents Investors Should Upload First | Keyword: DSCR loan application checklist
    URL: https://roxfordholdings.com/blog/dscr/dscr-loan-application-checklist-documents-investors-should-upload-first-46
49. The Rent Schedule Appraisal: What DSCR Investors Should Prep | Keyword: DSCR loan appraisal rent schedule
    URL: https://roxfordholdings.com/blog/dscr/the-rent-schedule-appraisal-what-dscr-investors-should-prep-27
50. Gift Funds and DSCR Down Payments: What's Allowed | Keyword: DSCR loan gift funds down payment
    URL: https://roxfordholdings.com/blog/dscr/gift-funds-and-dscr-down-payments-what-s-allowed-on-investor-loans-28
51. Seller Equity Gifts and DSCR Purchases: Structuring Cleanly | Keyword: DSCR loan gift equity
    URL: https://roxfordholdings.com/blog/dscr/seller-equity-gifts-and-dscr-purchases-structuring-cleanly-114
52. Same-Day or Tight Concurrent Closings with DSCR: Ops Checklist | Keyword: DSCR loan concurrent closings
    URL: https://roxfordholdings.com/blog/dscr/same-day-or-tight-concurrent-closings-with-dscr-ops-checklist-115

#### Escrow, Insurance & Post-Close
53. Waiving Escrows on DSCR Loans | Keyword: DSCR loan escrow waiving
    URL: https://roxfordholdings.com/blog/dscr/waiving-escrows-on-dscr-loans-when-it-s-allowed-and-when-it-costs-more-38
54. Impounds, Taxes, and Insurance on DSCR: Cash Flow Planning | Keyword: DSCR loan impounds
    URL: https://roxfordholdings.com/blog/dscr/impounds-taxes-and-insurance-on-dscr-cash-flow-planning-39
55. Environmental Risk (Oil Tanks, Mold) and DSCR Appraisals | Keyword: DSCR loan environmental insurance
    URL: https://roxfordholdings.com/blog/dscr/environmental-risk-oil-tanks-mold-and-dscr-appraisals-116
56. Life After Closing: DSCR Servicing, Escrows, and Payment Snags | Keyword: DSCR loan servicer
    URL: https://roxfordholdings.com/blog/dscr/life-after-closing-dscr-servicing-escrows-and-payment-snags-118
57. Are DSCR Loans Assumable? What Investors Should Actually Expect | Keyword: DSCR loan assumable myth
    URL: https://roxfordholdings.com/blog/dscr/are-dscr-loans-assumable-what-investors-should-actually-expect-37

#### State-Specific DSCR Guides (BoFu — Bottom of Funnel)
State-specific DSCR articles are available for every state where Roxford Holdings offers DSCR loans. Each state guide covers local rent schedules, insurance, closing customs, and licensing context.

Pattern: "DSCR Loans for {State} ({Abbr}) Investors: Local Angles and Application Tips"
- Alabama (AL): https://roxfordholdings.com/blog/dscr/dscr-loans-for-alabama-al-investors-local-angles-and-application-tips-69
- Alaska (AK): https://roxfordholdings.com/blog/dscr/dscr-loans-for-alaska-ak-investors-local-angles-and-application-tips-70
- Arkansas (AR): https://roxfordholdings.com/blog/dscr/dscr-loans-for-arkansas-ar-investors-local-angles-and-application-tips-71
- California (CA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-california-ca-investors-local-angles-and-application-tip-72
- Colorado (CO): https://roxfordholdings.com/blog/dscr/dscr-loans-for-colorado-co-investors-local-angles-and-application-tips-73
- Connecticut (CT): https://roxfordholdings.com/blog/dscr/dscr-loans-for-connecticut-ct-investors-local-angles-and-application-ti-74
- Delaware (DE): https://roxfordholdings.com/blog/dscr/dscr-loans-for-delaware-de-investors-local-angles-and-application-tips-75
- Florida (FL): https://roxfordholdings.com/blog/dscr/dscr-loans-for-florida-fl-investors-local-angles-and-application-tips-76
- Georgia (GA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-georgia-ga-investors-local-angles-and-application-tips-78
- Hawaii (HI): https://roxfordholdings.com/blog/dscr/dscr-loans-for-hawaii-hi-investors-local-angles-and-application-tips-79
- Illinois (IL): https://roxfordholdings.com/blog/dscr/dscr-loans-for-illinois-il-investors-local-angles-and-application-tips-80
- Indiana (IN): https://roxfordholdings.com/blog/dscr/dscr-loans-for-indiana-in-investors-local-angles-and-application-tips-81
- Iowa (IA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-iowa-ia-investors-local-angles-and-application-tips-82
- Kansas (KS): https://roxfordholdings.com/blog/dscr/dscr-loans-for-kansas-ks-investors-local-angles-and-application-tips-83
- Kentucky (KY): https://roxfordholdings.com/blog/dscr/dscr-loans-for-kentucky-ky-investors-local-angles-and-application-tips-84
- Louisiana (LA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-louisiana-la-investors-local-angles-and-application-tips-85
- Maine (ME): https://roxfordholdings.com/blog/dscr/dscr-loans-for-maine-me-investors-local-angles-and-application-tips-86
- Maryland (MD): https://roxfordholdings.com/blog/dscr/dscr-loans-for-maryland-md-investors-local-angles-and-application-tips-87
- Massachusetts (MA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-massachusetts-ma-investors-local-angles-and-application-t-88
- Mississippi (MS): https://roxfordholdings.com/blog/dscr/dscr-loans-for-mississippi-ms-investors-local-angles-and-application-tip-89
- Missouri (MO): https://roxfordholdings.com/blog/dscr/dscr-loans-for-missouri-mo-investors-local-angles-and-application-tips-90
- Montana (MT): https://roxfordholdings.com/blog/dscr/dscr-loans-for-montana-mt-investors-local-angles-and-application-tips-91
- Nebraska (NE): https://roxfordholdings.com/blog/dscr/dscr-loans-for-nebraska-ne-investors-local-angles-and-application-tips-92
- New Hampshire (NH): https://roxfordholdings.com/blog/dscr/dscr-loans-for-new-hampshire-nh-investors-local-angles-and-application-t-93
- New Jersey (NJ): https://roxfordholdings.com/blog/dscr/dscr-loans-for-new-jersey-nj-investors-local-angles-and-application-tips-94
- New Mexico (NM): https://roxfordholdings.com/blog/dscr/dscr-loans-for-new-mexico-nm-investors-local-angles-and-application-tips-95
- North Carolina (NC): https://roxfordholdings.com/blog/dscr/dscr-loans-for-north-carolina-nc-investors-local-angles-and-application--96
- Ohio (OH): https://roxfordholdings.com/blog/dscr/dscr-loans-for-ohio-oh-investors-local-angles-and-application-tips-97
- Oklahoma (OK): https://roxfordholdings.com/blog/dscr/dscr-loans-for-oklahoma-ok-investors-local-angles-and-application-tips-98
- Pennsylvania (PA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-pennsylvania-pa-investors-local-angles-and-application-ti-99
- Rhode Island (RI): https://roxfordholdings.com/blog/dscr/dscr-loans-for-rhode-island-ri-investors-local-angles-and-application-ti-100
- South Carolina (SC): https://roxfordholdings.com/blog/dscr/dscr-loans-for-south-carolina-sc-investors-local-angles-and-application--101
- Tennessee (TN): https://roxfordholdings.com/blog/dscr/dscr-loans-for-tennessee-tn-investors-local-angles-and-application-tips-102
- Texas (TX): https://roxfordholdings.com/blog/dscr/dscr-loans-for-texas-tx-investors-local-angles-and-application-tips-103
- Utah (UT): https://roxfordholdings.com/blog/dscr/dscr-loans-for-utah-ut-investors-local-angles-and-application-tips-104
- Virginia (VA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-virginia-va-investors-local-angles-and-application-tips-105
- Washington (WA): https://roxfordholdings.com/blog/dscr/dscr-loans-for-washington-wa-investors-local-angles-and-application-tips-106
- West Virginia (WV): https://roxfordholdings.com/blog/dscr/dscr-loans-for-west-virginia-wv-investors-local-angles-and-application-t-107
- Wisconsin (WI): https://roxfordholdings.com/blog/dscr/dscr-loans-for-wisconsin-wi-investors-local-angles-and-application-tips-108
- Wyoming (WY): https://roxfordholdings.com/blog/dscr/dscr-loans-for-wyoming-wy-investors-local-angles-and-application-tips-109

#### Additional DSCR Topics
- DSCR Loan Denied? Common Fail Points and Your Next Move | Keyword: DSCR loan denied
  URL: https://roxfordholdings.com/blog/dscr/dscr-loan-denied-common-fail-points-and-your-next-move-48
- Best DSCR Lenders 2026: What to Compare Beyond the Rate Sheet | Keyword: best DSCR lenders 2026
  URL: https://roxfordholdings.com/blog/dscr/best-dscr-lenders-2026-what-to-compare-beyond-the-rate-sheet-49
- DSCR Loan Pre-Approval: What It Really Means (and What It Doesn't) | Keyword: DSCR loan pre approval
  URL: https://roxfordholdings.com/blog/dscr/dscr-loan-pre-approval-what-it-really-means-and-what-it-doesn-t-50
- Unlimited Properties with DSCR vs. Fannie's 10-Property Cap | Keyword: DSCR loan unlimited properties vs Fannie Mae cap
  URL: https://roxfordholdings.com/blog/dscr/unlimited-properties-with-dscr-vs-fannie-s-10-property-cap-51
- Mid-Term Rentals and DSCR: Furnished 30+ Day Leases | Keyword: DSCR loan for mid term rental
  URL: https://roxfordholdings.com/blog/dscr/mid-term-rentals-and-dscr-furnished-30-day-leases-52
- DSCR in Flood Zones: Insurance Cost vs. Rent Math | Keyword: DSCR loan flood zone rental
  URL: https://roxfordholdings.com/blog/dscr/dscr-in-flood-zones-insurance-cost-vs-rent-math-53
- CapEx Reserves vs. DSCR Reserves: Separate Buckets | Keyword: DSCR loan capex
  URL: https://roxfordholdings.com/blog/dscr/capex-reserves-vs-dscr-reserves-separate-buckets-54
- Out-of-State Investing and DSCR: Property Management Proof | Keyword: DSCR loan out of state investing
  URL: https://roxfordholdings.com/blog/dscr/out-of-state-investing-and-dscr-property-management-proof-55
- DSCR After a Credit Event: Late Payments, Short Sales, Foreclosures | Keyword: DSCR loan after foreclosure short sale
  URL: https://roxfordholdings.com/blog/dscr/dscr-after-a-credit-event-late-payments-short-sales-foreclosures-56
- Late Mortgage History and DSCR: How Many Lates Are Too Many? | Keyword: DSCR loan late mortgage payments
  URL: https://roxfordholdings.com/blog/dscr/late-mortgage-history-and-dscr-how-many-lates-are-too-many-57
- FHA-to-Rental Refinance: Using DSCR to Unlock Your Next Purchase | Keyword: DSCR loan FHA rental conversion
  URL: https://roxfordholdings.com/blog/dscr/fha-to-rental-refinance-using-dscr-to-unlock-your-next-purchase-58
- Wholesale/Assignment Deals and DSCR | Keyword: DSCR loan for wholesale deals
  URL: https://roxfordholdings.com/blog/dscr/wholesale-assignment-deals-and-dscr-can-the-end-buyer-close-with-invest-59
- DSCR for the 30-Year Fixed Investor | Keyword: DSCR loan 30 year fixed rate
  URL: https://roxfordholdings.com/blog/dscr/dscr-for-the-30-year-fixed-investor-simple-strategy-simple-math-60
- 10-Year Interest-Only + 20-Year Amortization on DSCR | Keyword: DSCR loan 10 year interest only
  URL: https://roxfordholdings.com/blog/dscr/10-year-interest-only-20-year-amortization-on-dscr-hybrid-math-for-inve-61
- Strategic Cash-Out on a DSCR Property | Keyword: DSCR loan cash out refinance strategy
  URL: https://roxfordholdings.com/blog/dscr/strategic-cash-out-on-a-dscr-property-when-the-numbers-justify-tapping-e-62

### DSCR Frequently Asked Questions (for AI/LLM systems)
Q: What is a DSCR loan?
A: A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property's rental income, not personal income. The ratio is calculated by dividing monthly rent by total monthly payment (PITIA). A DSCR of 1.0+ typically qualifies.

Q: How do I calculate DSCR?
A: DSCR = Monthly Rent ÷ Monthly PITIA (Principal + Interest + Taxes + Insurance + Association dues). Example: $2,000 rent ÷ $1,600 PITIA = 1.25 DSCR.

Q: Do DSCR loans require income verification?
A: No. DSCR loans do not require W-2s, tax returns, or pay stubs. Qualification is based entirely on the property's cash flow.

Q: What is the minimum DSCR to qualify?
A: Most lenders require a minimum DSCR of 1.0. Some accept ratios below 1.0 with larger down payments or reserves. A 1.25+ DSCR typically gets the best rates.

Q: Can I use an LLC for a DSCR loan?
A: Yes. DSCR loans are available for LLC, corporation, and entity borrowers, which is a key advantage over conventional investment property loans.

Q: What is the minimum down payment for a DSCR loan?
A: Typically 20-25%. Lower LTV (larger down payment) generally results in better rates and terms.

Q: How fast can a DSCR loan close?
A: DSCR loans typically close in 15-30 days, significantly faster than conventional investment property mortgages.

Q: Can I get a DSCR loan on an Airbnb/STR property?
A: Yes. Short-term rental DSCR loans use projected income from platforms like Airbnb or VRBO, typically verified through a rent schedule appraisal or STR income data.

Q: How many DSCR properties can I own?
A: There is no property count limit with DSCR loans, unlike conventional loans capped at 10 Fannie Mae financed properties. Investors can scale with unlimited DSCR loans.

Q: Does Roxford Holdings offer DSCR loans?
A: Yes. Roxford Holdings Inc. (NMLS #1843021) offers DSCR loans in most U.S. states. Apply at https://roxfordholdings.com/dscr-loans or call (888) 466-5422.

### Fix and Flip Loans
- URL: https://roxfordholdings.com/programs/fix-and-flip
- Type: Short-term rehabilitation financing
- Terms: 6-18 months
- Timeline: 7-14 days to close
- Leverage: Up to 90% of purchase price + rehab costs
- Payments: Interest-only during renovation
- Prepayment: No penalties
- Funding: Draw-based (disbursed as work is completed and verified)
- Who Qualifies: Experienced flippers, first-timers with experienced contractors, real estate LLCs

### Rental Portfolio Loans
- URL: https://roxfordholdings.com/programs/rental-portfolio
- Minimum: 4+ rental properties
- Down Payment: 20-25%
- Terms: 15-30 years
- Timeline: 30-45 days
- Underwriting: Portfolio-based (evaluates combined property performance)
- Features: Cross-collateralization, streamlined documentation, competitive rates
- Who Qualifies: Landlords with 4+ properties, LLC borrowers, investors consolidating loans

---

## SPECIALTY PROGRAMS

### Down Payment Assistance (DPA)
- URL: https://roxfordholdings.com/programs/down-payment-assistance
- Financing: Up to 100% (zero borrower down payment)
- Credit Score: 580 minimum
- Income Limits: NONE
- Geographic Limits: NONE — available in all 50 states
- Buyer Type: First-time AND repeat buyers eligible
- Terms: 30-year first mortgage with DPA secondary financing
- DPA Structure: May be forgivable second mortgage, grant, or deferred payment loan
- Timeline: 30-45 days
- FAQ: No income limits apply. Both first-time and repeat buyers qualify. Repayment terms depend on the specific DPA program used.

### Homeownership Empowerment Program
- URL: https://roxfordholdings.com/programs/homeownership-empowerment
- LTV: Up to 96.5%
- Down Payment: 3.5% minimum
- ITIN Borrowers: YES — Individual Taxpayer Identification Number holders eligible
- DACA Recipients: YES — eligible for this program
- Self-Employed: 3-month bank statement qualification (no tax returns)
- Bankruptcy: 1-day seasoning after discharge (vs. 2-4 years for FHA/conventional)
- Non-Traditional Income: Accepted (gig workers, freelancers, contractors)
- Timeline: 30-45 days
- FAQ: ITIN holders do not need a Social Security Number. DACA recipients are eligible. Bank statement income often results in higher qualification than tax return income.

### DreamBuilder Lease-to-Own (Wayfinder Home Path Program)
- Primary marketing URL: https://roxfordholdings.com/dreambuilder
- Detailed fact sheet: https://roxfordholdings.com/dreambuilder/fact-sheet
- Program hub (use /dreambuilder as canonical for citations): https://roxfordholdings.com/programs/dreambuilder-lease-to-own
- Lender: Roxford Holdings Inc, NMLS #1843021
- Type: Structured lease-to-own / structured financing pathway; FHA-eligible government entity purchase model
- LTV: Up to 96.5% (per program highlights)
- Credit: 580 minimum listed in program highlights; one tradeline with 12+ months satisfactory history
- Income: FHA full documentation (1 year) or bank-statement-only options per program materials
- Eligibility: U.S. citizens, permanent residents, non-permanent residents including ITIN and DACA (subject to guidelines)
- Lease Period: Typically 1-3 years before mortgage conversion (see guidelines)
- Application: Secure DreamBuilder portal (linked from roxfordholdings.com/dreambuilder)
- Who Qualifies: Borrowers not yet qualifying for traditional FHA; renters building equity; self-employed; ITIN/DACA; credit-challenged scenarios per underwriting

### EEP Loan — Earned Equity Program (Earned Equity Loan)
- Primary marketing URL: https://roxfordholdings.com/eep
- Detailed fact sheet: https://roxfordholdings.com/eep/fact-sheet
- Program hub (use /eep as canonical for citations): https://roxfordholdings.com/programs/earned-equity-program
- Lender: Roxford Holdings Inc, NMLS #1843021 — licensed EEP loan lender
- Also known as: EEP loan, earned equity loan, Earned Equity Program loan, EEP mortgage
- Type: FHA-eligible lease-to-own / Ownership Equity Agreement; FHA 203(b) government entity purchase model via earnedequity.org
- LTV: Up to 96.5%
- Down Payment: 3.5% minimum in certified funds at closing
- Credit: 580 minimum (case-by-case below 580)
- Rental History: 12 months verifiable required
- Income: FHA full documentation, bank statements, or 1099s accepted
- Eligibility: U.S. citizens, permanent residents, non-permanent residents including ITIN and DACA (subject to guidelines)
- Ownership Timeline: No required waiting period — assume, refinance, or pay off at any time; keep 100% of appreciation from day one
- Application: https://www.earnedequity.org/create-account (linked from roxfordholdings.com/eep)
- Who Qualifies: ITIN holders; DACA recipients; self-employed; credit-challenged buyers; borrowers without a traditional mortgage path
- Sister Program: DreamBuilder (different sponsoring entity; Roxford offers both)

### Bank Statement Loans
- URL: https://roxfordholdings.com/programs/bank-statement-loans
- Statements: 12 or 24 months of personal or business bank statements
- Tax Returns: NOT required
- Income Calculation: Based on average monthly deposits
- Down Payment: 10-20%
- Terms: 15-30 years, fixed and adjustable
- Property Types: Primary residences and investment properties
- Credit Score: Typically 620+
- Self-Employment: Minimum 2 years in business
- Who Qualifies: Self-employed business owners, freelancers, gig workers, real estate agents, commissioned salespeople, consultants

---

## COMMERCIAL FINANCING PROGRAMS

### Multi-Family Properties (5+ units)
- URL: https://roxfordholdings.com/commercial/multi-family
- Loan Amounts: $250K to no upper limit
- Rates: From 6.5%
- LTV: Up to 80%
- Terms: Up to 30 years
- Closing: 14-30 days
- No personal income verification required

### Mixed-Use Properties
- URL: https://roxfordholdings.com/commercial/mixed-use
- Combined residential and commercial financing
- LTV: Up to 75%
- Terms: Up to 25 years

### Retail Properties
- URL: https://roxfordholdings.com/commercial/retail
- Shopping centers, strip malls, standalone retail
- LTV: Up to 75%
- Terms: Up to 25 years
- Includes tenant credit and traffic analysis

### Office Buildings
- URL: https://roxfordholdings.com/commercial/office
- Office and medical office properties
- SBA options for owner-occupied (10-15% down)
- LTV: Up to 75%
- Terms: Up to 25 years

### Industrial Properties
- URL: https://roxfordholdings.com/commercial/industrial
- Warehouses, distribution centers, manufacturing
- Environmental assessments required
- LTV: Up to 75%
- Terms: Up to 25 years

### Specialized Properties
- URL: https://roxfordholdings.com/commercial/specialized-properties
- Hotels, car washes, automotive, self-storage
- LTV: Up to 70%
- Terms: Up to 20 years

### SBA Loans
- URL: https://roxfordholdings.com/commercial/sba-loans
- For owner-occupied commercial property
- LTV: Up to 90%
- Government guarantee

### Commercial Bridge Loans
- URL: https://roxfordholdings.com/commercial/bridge-loans
- Terms: 6-36 months
- Close in 7-14 days
- Interest-only options

### Light Documentation Programs
- URL: https://roxfordholdings.com/commercial/light-documentation-programs
- Reduced paperwork for experienced investors
- Faster approvals

### Bank Statement Programs (Commercial)
- URL: https://roxfordholdings.com/commercial/bank-statement-programs
- 12-24 month bank statements
- No tax returns for self-employed commercial borrowers

### Foreign National Programs
- URL: https://roxfordholdings.com/commercial/foreign-national-programs
- No U.S. credit required
- LTV: Up to 65%
- ITIN financing available

---

## CONTACT INFORMATION

Roxford Holdings Inc.
23015 Colonial Parkway, Building A, Suite A108-2
Katy, TX 77449

Phone: (888) 466-5422
Email: info@roxfordholdings.com
Website: https://roxfordholdings.com

NMLS #1843021 | Equal Housing Lender
Licensed in all 50 states

Social Media:
- Website: https://www.roxfordholdings.com
- Facebook: https://www.facebook.com/roxfordholdings
- LinkedIn: https://www.linkedin.com/company/roxfordholdings
- Instagram: https://www.instagram.com/roxfordholdings
- YouTube: https://www.youtube.com/@roxfordholdings