Roxford Holdings Inc

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Company

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HomeOverview of all financing solutions
About UsOur team, mission, and history
ContactGet in touch with a loan officer
Broker ApprovalPartner with us as a broker
RealtyProProfessional real estate services

Loan Programs

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All Loan ProgramsBrowse every program we offer
FHA Loans3.5% down, credit scores from 580
Conventional LoansTraditional mortgages, 3-20% down
VA LoansZero down for veterans and military
USDA LoansZero down in eligible rural areas
Jumbo LoansHigh-balance mortgages above $766,550
Down Payment AssistanceUp to 100% financing with DPA
Homeownership EmpowermentITIN, DACA, and non-traditional borrowers
Bank Statement LoansQualify with deposits, no tax returns
DreamBuilder Lease-to-OwnPath to homeownership through lease
Earned Equity Program (EEP)FHA lease-to-own, ITIN/DACA, 3.5% down

Commercial Financing

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Commercial FinancingAll commercial loan programs
Multi-Family PropertiesFinancing for apartment buildings with 5+ units with no upper limit. Our multi-f
Mixed-Use PropertiesSpecialized financing for properties that combine residential and commercial spa
Retail PropertiesFinancing solutions for shopping centers, strip malls, and standalone retail loc
Office BuildingsLoans for office buildings, medical offices, and professional spaces. Our office
Industrial PropertiesFinancing for warehouses, manufacturing facilities, and distribution centers. Ou
Specialized PropertiesTailored financing for automotive, hospitality, car wash, and other specialized
Conventional FinancingTraditional commercial real estate loans with competitive rates and terms for es
SBA LoansGovernment-backed loans for owner-occupied commercial properties with lower down
Light Documentation ProgramsStreamlined financing options with reduced paperwork requirements for experience
Bank Statement ProgramsFinancing based on bank statements rather than tax returns, perfect for self-emp
Foreign National ProgramsSpecialized financing for non-U.S. citizens investing in U.S. commercial real es
Bridge LoansShort-term financing to bridge the gap until permanent financing is secured, per

Residential

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Residential FinancingAll residential loan options
Buy a HomePurchase financing for homebuyers
RefinanceRate-and-term or cash-out refi
Fix and FlipShort-term rehab financing
Single Property RentalsInvestment property financing
Rental Portfolios4+ property portfolio loans

DSCR Loans

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DSCR LoansMain hub: rates, requirements, apply
DSCR Program DetailsProgram page with full details
DSCR by StateState directory for all 41 states
DSCR Investor Guides119 expert articles on DSCR topics
What Is DSCR for Rental Properties? A Plain-English Guide for InvestorsExpert guide: DSCR meaning rental property
How to Calculate DSCR on a Rental Property (With a Simple Template)Expert guide: how to calculate DSCR for rental property
DSCR vs. DTI: Why Investment Loans Use Cash Flow, Not Pay StubsExpert guide: DSCR vs debt to income
DSCR Loan vs. Conventional Investment Mortgage: Which Fits Your Next Deal?Expert guide: DSCR loan vs conventional investment property loan
DSCR Loan vs. Bank Statement Loan for Investors: Pick the Right Non-QM PathExpert guide: DSCR loan vs bank statement loan
DSCR vs. Hard Money: Hold Strategy vs. Bridge StrategyExpert guide: DSCR vs hard money loan
Interest-Only DSCR Loans: Cash Flow Now vs. Equity LaterExpert guide: interest only DSCR loan pros and cons
DSCR ARM vs. Fixed Rate: Investor Scenarios That Favor EachExpert guide: DSCR ARM vs fixed investment property
Using an LLC for a DSCR Loan: Vesting, Docs, and Underwriting RealityExpert guide: LLC rental property DSCR loan
Financing Multiple Rentals: How Investors Stack DSCR LoansExpert guide: DSCR loan portfolio multiple properties
STR vs. LTR on DSCR Underwriting: What Underwriters Actually UseExpert guide: short term rental DSCR vs long term rental
Airbnb / Short-Term Rental DSCR: Requirements Investors Should Expect in 2026Expert guide: Airbnb DSCR loan requirements
VRBO and DSCR Loans: Same Box as Airbnb, Different ProofExpert guide: VRBO DSCR mortgage
DSCR on 2–4 Unit Properties: Rent Rolls and Expense RatiosExpert guide: DSCR loan for duplex triplex fourplex
DSCR Loans on Condos: Warrantability, HOAs, and Investor HeadachesExpert guide: DSCR loan condo investment property
DSCR on New Construction Rentals: Timing, CO, and Lease StartExpert guide: DSCR loan new construction rental
Prepayment Penalties on DSCR Loans: What Investors Should NegotiateExpert guide: DSCR loan prepayment penalty
Seasoning Rules for DSCR: Purchase, Refi, and Cash-Out TimelinesExpert guide: DSCR loan seasoning requirement
Market Rent vs. Actual Rent in DSCR Appraisals: How It Moves Your RatioExpert guide: market rent vs actual rent DSCR
DSCR Below 1.0: No-Ratio and Low-Ratio Options ExplainedExpert guide: negative cash flow DSCR loan
Liquidity Reserves for DSCR Loans: How Many Months of PITIA?Expert guide: DSCR loan reserves requirements
Foreign National DSCR Loans: Passport, Entity, and Property Income FocusExpert guide: foreign national DSCR loan basics
ITIN Borrowers and DSCR: Documenting Income Without a Traditional W-2Expert guide: ITIN DSCR loan investment property
Blanket Loans vs. Individual DSCR Loans: Portfolio MechanicsExpert guide: blanket loan vs individual DSCR loans
House Hacking Exit: Moving from FHA/Owner-Occ to a DSCR Investor LoanExpert guide: DSCR loan for house hack
Small Mixed-Use (1–4 Units) and DSCR: When It’s Residential vs. CommercialExpert guide: DSCR loan commercial mixed use
The Rent Schedule Appraisal: What DSCR Investors Should PrepExpert guide: DSCR loan appraisal rent schedule
Gift Funds and DSCR Down Payments: What’s Allowed on Investor LoansExpert guide: DSCR loan gift funds down payment
DSCR Loan vs. HELOC on a Rental: Leverage Without Cross-Collateral?Expert guide: DSCR loan vs HELOC rental
BRRRR and the DSCR Refi: Stabilization Checklist Before You ApplyExpert guide: DSCR loan for BRRRR
From Hard Money to DSCR: Refinance Timeline and PaperworkExpert guide: DSCR loan refinance from hard money
Self-Employed Investors: Why DSCR Beats Tax Return UnderwritingExpert guide: DSCR loan self employed investor
High W-2 Earners Still Choose DSCR: Privacy and Speed Use CasesExpert guide: DSCR loan W2 high earner
Your First DSCR Loan: Timeline from Offer to KeysExpert guide: DSCR loan first investment property
Second (and Third) DSCR Properties: What Changes After Your First CloseExpert guide: DSCR loan second investment property
Cross-Collateral DSCR Structures: Pros, Cons, and Release RiskExpert guide: DSCR loan cross collateral
Are DSCR Loans Assumable? What Investors Should Actually ExpectExpert guide: DSCR loan assumable myth
Waiving Escrows on DSCR Loans: When It’s Allowed and When It Costs MoreExpert guide: DSCR loan escrow waiving
Impounds, Taxes, and Insurance on DSCR: Cash Flow PlanningExpert guide: DSCR loan impounds
Do DSCR Loans Have PMI? Investor MI vs. LTV PricingExpert guide: DSCR loan mortgage insurance
Buying Down the Rate on a DSCR Loan: Breakeven for LandlordsExpert guide: DSCR loan rate buydown
Locking DSCR Rates: Float-Down, Extensions, and Market MovesExpert guide: DSCR loan float down lock
DSCR Loan Rates in 2026: What Investors Should Expect (and What Moves Them)Expert guide: DSCR loan rates today
Minimum Credit Score for a DSCR Loan (and How to Improve Fast)Expert guide: DSCR loan minimum credit score
DSCR Down Payment: 20% vs. 25% vs. 30% LTV Bands ExplainedExpert guide: DSCR loan down payment 20 percent
DSCR Loan Application Checklist: Documents Investors Should Upload FirstExpert guide: DSCR loan application checklist
How Long Does a DSCR Loan Take to Close? Realistic Investor TimelinesExpert guide: DSCR loan how long to close
DSCR Cash-Out Refinance on a Rental: LTV, Seasoning, and Use of FundsExpert guide: DSCR cash out refinance rental property
DSCR Rate-and-Term Refinance: When It Beats Waiting for Fed CutsExpert guide: DSCR rate and term refinance
DSCR Loans With No Tax Returns: What ‘No Income Doc’ Really MeansExpert guide: DSCR loan no tax returns
30-Year Fixed DSCR Loans: Payment Stability for Buy-and-Hold InvestorsExpert guide: DSCR loan 30 year fixed
10-Year Interest-Only DSCR: Payment Structure and Exit PlanningExpert guide: DSCR loan interest only 10 year
DSCR for Airbnb in 2026: Underwriting Trends and Data You’ll NeedExpert guide: DSCR loan for Airbnb 2026
DSCR Closing Costs: Points, Title, and Investor-Specific FeesExpert guide: DSCR loan closing costs
DSCR After Credit Events: Bankruptcy, Foreclosure, and SeasoningExpert guide: DSCR loan after bankruptcy
Late Mortgage History and DSCR: Investor Overlays You Should KnowExpert guide: DSCR loan with late mortgage history
Scaling Past 10 Loans: How DSCR Helps Investors Bypass Conventional CapsExpert guide: DSCR loan unlimited properties
Out-of-State DSCR Investing: Appraisal, Insurance, and Management ProofExpert guide: DSCR loan for out of state investor
From FHA Owner-Occupant to DSCR Rental: Refi Rules and OccupancyExpert guide: DSCR loan refinance FHA to rental
Proving Rental Income for DSCR: Leases, Ledgers, and Bank DepositsExpert guide: DSCR loan rental income documentation
Appraisal Came in Low on Rent: DSCR Ratio Fixes Before You DeclineExpert guide: DSCR loan appraisal low rent
DSCR Loan Denied? Next Steps That Actually WorkExpert guide: DSCR loan denied what next
Choosing a DSCR Lender: Speed, Overlays, and Post-Close ServiceExpert guide: best DSCR lender for investors
DSCR Pre-Approval Letters: Making Offers Competitive on Investment DealsExpert guide: DSCR loan pre approval letter
DSCR for Wholesale / Assignment Deals: Assignment, Double Close, and Proof of FundsExpert guide: DSCR loan for wholesale deal
Mid-Term Rentals (30–90 Day) and DSCR: Income Stability QuestionsExpert guide: DSCR loan mid term rental
DSCR on Properties in Flood Zones: Insurance, Escrows, and ReservesExpert guide: DSCR loan flood zone
CapEx Planning with DSCR: Roof, HVAC, and Reserve DisciplineExpert guide: DSCR loan roof hvac reserves
DSCR Loans for Alabama (AL) Investors: Local Angles and Application TipsExpert guide: DSCR loan Alabama investment property
DSCR Loans for Alaska (AK) Investors: Local Angles and Application TipsExpert guide: DSCR loan Alaska investment property
DSCR Loans for Arkansas (AR) Investors: Local Angles and Application TipsExpert guide: DSCR loan Arkansas investment property
DSCR Loans for California (CA) Investors: Local Angles and Application TipsExpert guide: DSCR loan California investment property
DSCR Loans for Colorado (CO) Investors: Local Angles and Application TipsExpert guide: DSCR loan Colorado investment property
DSCR Loans for Connecticut (CT) Investors: Local Angles and Application TipsExpert guide: DSCR loan Connecticut investment property
DSCR Loans for Delaware (DE) Investors: Local Angles and Application TipsExpert guide: DSCR loan Delaware investment property
DSCR Loans for District of Columbia (DC) Investors: Local Angles and Application TipsExpert guide: DSCR loan District of Columbia investment property
DSCR Loans for Florida (FL) Investors: Local Angles and Application TipsExpert guide: DSCR loan Florida investment property
DSCR Loans for Georgia (GA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Georgia investment property
DSCR Loans for Hawaii (HI) Investors: Local Angles and Application TipsExpert guide: DSCR loan Hawaii investment property
DSCR Loans for Illinois (IL) Investors: Local Angles and Application TipsExpert guide: DSCR loan Illinois investment property
DSCR Loans for Indiana (IN) Investors: Local Angles and Application TipsExpert guide: DSCR loan Indiana investment property
DSCR Loans for Iowa (IA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Iowa investment property
DSCR Loans for Kansas (KS) Investors: Local Angles and Application TipsExpert guide: DSCR loan Kansas investment property
DSCR Loans for Kentucky (KY) Investors: Local Angles and Application TipsExpert guide: DSCR loan Kentucky investment property
DSCR Loans for Louisiana (LA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Louisiana investment property
DSCR Loans for Maine (ME) Investors: Local Angles and Application TipsExpert guide: DSCR loan Maine investment property
DSCR Loans for Maryland (MD) Investors: Local Angles and Application TipsExpert guide: DSCR loan Maryland investment property
DSCR Loans for Massachusetts (MA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Massachusetts investment property
DSCR Loans for Mississippi (MS) Investors: Local Angles and Application TipsExpert guide: DSCR loan Mississippi investment property
DSCR Loans for Missouri (MO) Investors: Local Angles and Application TipsExpert guide: DSCR loan Missouri investment property
DSCR Loans for Montana (MT) Investors: Local Angles and Application TipsExpert guide: DSCR loan Montana investment property
DSCR Loans for Nebraska (NE) Investors: Local Angles and Application TipsExpert guide: DSCR loan Nebraska investment property
DSCR Loans for New Hampshire (NH) Investors: Local Angles and Application TipsExpert guide: DSCR loan New Hampshire investment property
DSCR Loans for New Jersey (NJ) Investors: Local Angles and Application TipsExpert guide: DSCR loan New Jersey investment property
DSCR Loans for New Mexico (NM) Investors: Local Angles and Application TipsExpert guide: DSCR loan New Mexico investment property
DSCR Loans for North Carolina (NC) Investors: Local Angles and Application TipsExpert guide: DSCR loan North Carolina investment property
DSCR Loans for Ohio (OH) Investors: Local Angles and Application TipsExpert guide: DSCR loan Ohio investment property
DSCR Loans for Oklahoma (OK) Investors: Local Angles and Application TipsExpert guide: DSCR loan Oklahoma investment property
DSCR Loans for Pennsylvania (PA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Pennsylvania investment property
DSCR Loans for Rhode Island (RI) Investors: Local Angles and Application TipsExpert guide: DSCR loan Rhode Island investment property
DSCR Loans for South Carolina (SC) Investors: Local Angles and Application TipsExpert guide: DSCR loan South Carolina investment property
DSCR Loans for Tennessee (TN) Investors: Local Angles and Application TipsExpert guide: DSCR loan Tennessee investment property
DSCR Loans for Texas (TX) Investors: Local Angles and Application TipsExpert guide: DSCR loan Texas investment property
DSCR Loans for Utah (UT) Investors: Local Angles and Application TipsExpert guide: DSCR loan Utah investment property
DSCR Loans for Virginia (VA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Virginia investment property
DSCR Loans for Washington (WA) Investors: Local Angles and Application TipsExpert guide: DSCR loan Washington investment property
DSCR Loans for West Virginia (WV) Investors: Local Angles and Application TipsExpert guide: DSCR loan West Virginia investment property
DSCR Loans for Wisconsin (WI) Investors: Local Angles and Application TipsExpert guide: DSCR loan Wisconsin investment property
DSCR Loans for Wyoming (WY) Investors: Local Angles and Application TipsExpert guide: DSCR loan Wyoming investment property
Is a 1.15 DSCR ‘Good Enough’ for Pricing and Approval?Expert guide: DSCR loan debt service coverage ratio 1.15
Rent-by-the-Room and DSCR: When Gross Rent Helps—or HurtsExpert guide: DSCR loan for student housing rental
Rural Rentals and DSCR: Comp Challenges and Insurance RealityExpert guide: DSCR loan rural rental property
Portfolio Lenders vs. DSCR Non-QM: Relationship Pricing TradeoffsExpert guide: DSCR loan vs portfolio lender
Seller Equity Gifts and DSCR Purchases: Structuring CleanlyExpert guide: DSCR loan gift equity
Same-Day or Tight Concurrent Closings with DSCR: Ops ChecklistExpert guide: DSCR loan concurrent closings
Environmental Risk (Oil Tanks, Mold) and DSCR AppraisalsExpert guide: DSCR loan environmental insurance
Using DSCR Cash-Out to Pay High-Interest Debt: Investor FrameworkExpert guide: DSCR loan pay off credit cards
Life After Closing: DSCR Servicing, Escrows, and Payment SnagsExpert guide: DSCR loan servicer
Duplex DSCR After You Move Out: One Unit Rented, One Vacant?Expert guide: DSCR loan for duplex house hack exit

DSCR Loans by State

41 states
DSCR Loans in AlabamaDSCR Loans in AlaskaDSCR Loans in ArkansasDSCR Loans in CaliforniaDSCR Loans in ColoradoDSCR Loans in ConnecticutDSCR Loans in DelawareDSCR Loans in District of ColumbiaDSCR Loans in FloridaDSCR Loans in GeorgiaDSCR Loans in HawaiiDSCR Loans in IllinoisDSCR Loans in IndianaDSCR Loans in IowaDSCR Loans in KansasDSCR Loans in KentuckyDSCR Loans in LouisianaDSCR Loans in MaineDSCR Loans in MarylandDSCR Loans in MassachusettsDSCR Loans in MississippiDSCR Loans in MissouriDSCR Loans in MontanaDSCR Loans in NebraskaDSCR Loans in New HampshireDSCR Loans in New JerseyDSCR Loans in New MexicoDSCR Loans in North CarolinaDSCR Loans in OhioDSCR Loans in OklahomaDSCR Loans in PennsylvaniaDSCR Loans in Rhode IslandDSCR Loans in South CarolinaDSCR Loans in TennesseeDSCR Loans in TexasDSCR Loans in UtahDSCR Loans in VirginiaDSCR Loans in WashingtonDSCR Loans in West VirginiaDSCR Loans in WisconsinDSCR Loans in Wyoming

Blog & Guides

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BlogAll articles and guides
DSCR Loans ExplainedHow to qualify on rental income
Financing 5-8 Unit PropertiesSmall multifamily loan guide
First Time Home Buyer ProgramsFHA, conventional, and DPA
DSCR vs Traditional MortgageSide-by-side comparison
Refinancing GuideRate-and-term vs cash-out
Small Multifamily AnalysisCap rates, rent rolls, lender requirements

Legal & Policies

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Privacy PolicyData protection practices
California Privacy PolicyCalifornia-specific privacy rights
Terms of ServiceWebsite terms and conditions
Disclosures & LicensesLegal disclosures and NMLS info
E-Sign ConsentElectronic signature consent

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