Designed for real estate investors who want to grow their portfolio without the hassle of traditional income documentation. Let your property's rental income do the qualifying.
No obligation. No credit check to get started.
A DSCR loan allows real estate investors to qualify for financing based on the income a property generates rather than their personal income, tax returns, or employment history.
DSCR stands for Debt Service Coverage Ratio. It measures a property's ability to cover its mortgage payment using the rental income it produces. Instead of verifying your personal W-2s, pay stubs, or tax returns, lenders evaluate whether the property itself generates enough income to service the debt.
DSCR = Property's Net Operating Income / Total Debt Service
A ratio of 1.0 or higher means the property's rental income fully covers the mortgage payment. The higher the ratio, the stronger the loan application.
For example, if a property generates $2,000/month in rent and the total mortgage payment (principal, interest, taxes, and insurance) is $1,600/month, the DSCR would be 1.25 — meaning the property earns 25% more than needed to cover the debt.
Property income does not cover the full mortgage. May still qualify with compensating factors.
Rental income exactly covers the mortgage payment. Minimum threshold for most lenders.
Property generates 25%+ more than the mortgage. Better rates and terms available.
Exceptional cash flow. Access to the best available rates and loan terms.
DSCR loans remove the biggest barriers investors face when scaling their real estate portfolio.
Skip the W-2s, pay stubs, and tax returns. DSCR loans qualify you based on the property's rental income alone, making the process faster and simpler for self-employed investors and business owners.
Whether you own one rental or fifty, DSCR loans are built for investors. Finance long-term rentals, short-term vacation properties, and multi-unit buildings — all under one flexible program.
With fewer documentation requirements and a streamlined underwriting process, DSCR loans often close significantly faster than conventional loans — typically in 21-30 days.
DSCR loans have straightforward qualification criteria focused on the property's performance and your investment profile.
A DSCR of 1.0 or higher is preferred, meaning the property's rental income covers the full mortgage payment. Higher ratios unlock better rates and terms. Some programs accept ratios as low as 0.75 with compensating factors.
Most DSCR loans require a 20-25% down payment, depending on the property type and DSCR ratio. Stronger ratios and credit profiles may qualify for lower down payment options.
A minimum credit score of 660 is typically required. Higher credit scores (700+) will qualify for more competitive interest rates, lower fees, and more favorable loan terms.
DSCR loans are available for 1-4 unit residential investment properties, including single-family homes, duplexes, triplexes, quadplexes, condos, townhomes, and short-term rentals (Airbnb/VRBO).
Understanding the calculation is simple. Here is a real-world example to show how it works.
DSCR = $2,500 / $1,800
= 1.39
This property generates 39% more income than needed to cover the mortgage. This is a strong DSCR ratio that qualifies for competitive rates.
Getting a DSCR loan is straightforward. Here is what to expect from start to close.
Complete our quick application with basic property and investment details. No tax returns or pay stubs needed — just property information and your investment goals.
We evaluate the property's rental income potential using market data, appraisals, and existing lease agreements to determine the DSCR ratio.
Once the DSCR ratio meets the threshold and your credit and down payment check out, you receive a clear approval with your rate and terms locked in.
We handle the closing process efficiently, often funding in as little as 21 days. You get the keys and start building your investment portfolio.
Everything you need to know about DSCR loans for investment properties.
Fill out the form and one of our DSCR loan specialists will reach out within 24 hours.
Our team specializes in investor financing. We understand the nuances of DSCR loans and will find the program that fits your deal.
Our streamlined process and dedicated underwriting team ensure your loan closes on time so you never miss a deal.
We work with top DSCR lenders nationwide to ensure you get the most competitive rate and terms available for your investment property.
Scale your portfolio without hitting a financing wall. We help investors finance their 1st property or their 50th — no cap on the number of DSCR loans.
No obligation. No credit check to get started.