What is a commercial DSCR loan?

A commercial DSCR loan qualifies borrowers based on the property's Debt Service Coverage Ratio — the ratio of the property's income to its loan payments — rather than the borrower's personal income. This means no W-2s, no tax returns, and no personal income verification are required.

Do I need to verify my income to get a commercial real estate loan with GPS Capital?

No. GPS Capital's commercial DSCR loans qualify based on property cash flow alone. There is no income verification, no W-2s, and no personal tax returns required.

What is the maximum loan amount for a commercial DSCR loan?

GPS Capital offers commercial DSCR loans up to $5,000,000 with a maximum loan-to-value (LTV) of 75%.

What property types qualify for a commercial DSCR loan?

Eligible property types include commercial real estate, multifamily (5+ units), industrial and warehouse, mixed-use properties, retail, medical office, self-storage, and single tenant or owner-occupied properties.

Can I use a DSCR loan to buy a building for my business?

Yes. GPS Capital offers DSCR financing for owner-occupied commercial properties, meaning business owners can purchase a building they intend to operate from using cash flow-based underwriting rather than personal income verification.

What loan terms are available for commercial DSCR loans?

GPS Capital offers 30-year fixed rate and 5/6 ARM loan terms for commercial DSCR loans. Loans are available for purchase, refinance, and cash-out scenarios.

What are the interest rates on GPS Capital commercial DSCR loans?

Interest rates on GPS Capital's commercial DSCR loans range from 7.5% to 9.5% depending on the loan structure, property type, and deal profile. Both fixed and adjustable rate options are available.

Commercial DSCR Lender — Financing Investors Since 2003

Owner-Occupied & Investor Commercial Real Estate Financing.

GPS Capital is a direct commercial lender offering DSCR loans for owner-occupied and investment properties. Qualify on property cash flow with flexible fixed and ARM commercial loans for purchases, refinances, and cash-out scenarios nationwide.

Max Loan Amount $0

Nationwide

Interest Rates Start At 7.5%

Fixed & ARM Available

Max LTV 0%

Loan-to-Value

Commercial DSCR Loan Details

Max Loan Amount:$5,000,000
Max LTV:75%
Loan Terms: 30 YR Fixed | 5/6 ARM
Loan Purpose: Purchase, Refinance, Cash-Out
Prepayment:5, 4, 3, 2, 1
Recourse:YES
Owner Occupied:Yes - Available

Owner-Occupied & Investor Property Types

Commercial Real Estate
Multifamily (5+ Units)
Industrial & Warehouse
Mixed-Use Properties
Retail
Medical Office
Self-Storage
Single Tenant / Owner Occupied

Why Choose a DSCR Commercial Lender?

No Income Verification Program, Available

Our commercial DSCR loans qualify based on property cash flow alone.

Fast Commercial Loan Closings

As an experienced commercial lender, we underwrite deals quickly so you can close faster than with traditional bank financing.

Flexible Commercial Loan Structures

Choose from 30-year fixed or 5/6 ARM commercial loan options. Available for owner-occupied properties and investment real estate.

No Ongoing Reporting

Unlike traditional commercial lenders, our DSCR loans have no ongoing financial reporting requirements after closing.

About GPS Capital — Direct Commercial Lender

GPS Capital is a direct commercial real estate lender based in New York, financing investors and business owners nationwide since 2003. We specialize in commercial DSCR loans — a financing structure that lets borrowers qualify on property income rather than personal income.

Whether you're looking to purchase a commercial property, refinance an existing commercial loan, or pull cash out of an owner-occupied building, GPS Capital has a commercial loan product built for your deal. We fund retail centers, medical offices, industrial warehouses, mixed-use buildings, self-storage facilities, multifamily properties, and single-tenant owner-occupied commercial real estate.

As a DSCR lender with over two decades of experience, we understand what investors and business owners need: speed, certainty, and a lender who actually reads the deal.

Who We Lend To

Business owners buying their own commercial space
Real estate investors seeking commercial loans without income docs
Borrowers who can't qualify with traditional bank financing
Self-employed borrowers with strong properties but complex income
Investors refinancing commercial real estate for better terms
Owners pulling cash out of commercial property equity
Buyers of retail, office, industrial, and mixed-use properties
Medical professionals financing their own office space

Get Commercial Loan Pricing & Structure

Ready to work with a commercial DSCR lender?

Send us your property type, loan amount, and goal. GPS Capital will review your deal for commercial purchase, refinance, or cash-out financing.

Deals@gpscapllc.com GPS Capital | 718-247-8863