DSCR Investment Loans
Debt Service Coverage Ratio loans let real estate investors qualify based on the property's rental income rather than personal income. If the rent covers the mortgage, you can qualify.
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio — it measures whether a property's rental income covers its mortgage payment. A DSCR of 1.0 means rent equals the payment. Most lenders want 1.0–1.25 or higher. No personal tax returns, no W-2s, no employment verification required.
Who DSCR Loans Are For
Real estate investors with one or many rental properties. Self-employed borrowers who write off too much income to qualify traditionally. Foreign nationals investing in U.S. real estate. LLCs and entities that hold investment property. Anyone who wants to scale a rental portfolio without personal income documentation.
Typical Terms
30-year fixed or adjustable rate options. Minimum down payment typically 20–25%. Credit scores starting at 660 for most programs. Available for single-family, 2–4 unit, condos, and some small multifamily. Short-term rental (Airbnb) income can be used with some lenders. I'll match you with the right DSCR program for your property.
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