DSCR Loans for Real Estate Investors
Finance rental properties based on cash flow, not your personal tax returns. Parish Lending helps you use the property’s income to qualify.
Check DSCR Loan Eligibility
Answer a few quick questions and we’ll confirm if a DSCR loan is right for your rental property purchase or refinance.
What Is DSCR?
DSCR stands for Debt Service Coverage Ratio. It measures whether a property’s rental income can cover its mortgage payment (including principal, interest, taxes, and insurance).
- A DSCR of 1.0 means rent equals payment (break-even).
- Most lenders prefer DSCR > 1.0 for safety.
- Example: $2,000 rent ÷ $1,800 payment = DSCR of 1.11.
Why Investors Love DSCR Loans
- Cash Flow Focus: Approval is based on rent, not W-2s or tax returns.
- Simple Paperwork: Show a lease agreement or rental schedule, not years of returns.
- Flexible Borrowing: Finance properties as long as projected rent covers the payment.
Basic DSCR Loan Checklist
- Lease agreement or market rent estimate
- Mortgage payment estimate (PITI + HOA if applicable)
- Proof of property taxes and insurance
- Personal ID and basic bank statements
How Parish Lending Makes DSCR Simple
- Review your rent vs. payment to estimate DSCR
- Explain which investor programs fit your scenario
- Streamline required docs for quick approval
- Negotiate rates/terms that maximize cash flow
Ready to finance your next rental?
Parish Lending specializes in DSCR loans for investors—whether it’s your first duplex or your tenth property.