DSCR Loans for Real Estate Investors
Qualify based on the property’s rental income, not your personal income. Grow your portfolio without tax returns.
- 30+ years of experience
- No personal income docs
- Close in an LLC
What Is a DSCR Loan?
DSCR stands for debt service coverage ratio. It compares a property’s rent to its monthly payment, including taxes, insurance, and HOA dues.
If the rent covers the payment, the property qualifies. Your W-2s, tax returns, and personal debt-to-income ratio aren’t used.
Why Choose a DSCR Loan?
Financing that scales with your portfolio, not your paycheck.
No Tax Returns
No W-2s, pay stubs, or personal income verification.
Unlimited Properties
No cap on the number of financed rentals you own.
LLC Friendly
Close in your LLC to keep your investments separate.
Short-Term Rentals
Airbnb and vacation rental income can qualify.
Cash-Out Refinance
Pull equity from one rental to buy the next.
Fixed, ARM, or Interest-Only
Choose the payment structure that fits your strategy.
Do You Qualify?
DSCR loans focus on the property. Here’s what lenders look for:
- Rent that covers the monthly payment
- Credit score of about 660 or higher
- Down payment of 20% to 25%
- Cash reserves, often 3 to 6 months
- An investment property, not your residence
See If Your Rental Qualifies
Send us the address and expected rent and we’ll run the numbers, usually the same day.
Prefer email? Send us a messageDSCR Loan Questions
How is DSCR calculated?
Divide the monthly rent by the monthly payment, including principal, interest, taxes, insurance, and HOA dues. A ratio of 1.0 or higher means the rent covers the payment.
What if the ratio is below 1.0?
Some programs allow it with a larger down payment or more reserves. We’ll show you your options.
How is rent determined?
From a current lease or the appraiser’s market rent estimate. For short-term rentals, lenders may use booking history or market data.
Can I close in an LLC?
Yes. Most DSCR programs allow you to take title in an LLC.
Can I live in the property?
No. DSCR loans are for investment properties only. For a home you’ll live in, see our conventional loans.
Helpful Guides
What Is a Non-QM Loan?Read →
Run the Numbers First
Estimate the payment and see whether paying points makes sense on a long-term hold.
Finance Your Rental in 3 Simple Steps
Share the Property
Send us the address, price, and expected rent.
We Run the Numbers
We confirm the ratio and find the best terms.
Close and Collect Rent
Close in your name or your LLC.