Investor Financing • Non-QM
DSCR Loans for Real Estate Investors
Finance rental properties based on cash flow — not your personal tax returns. With DSCR loans, the property’s income helps determine qualification.
Fast way to tell if DSCR is a fit
If you can estimate monthly rent and have a ballpark purchase price/value plus a down payment, we can usually tell quickly whether a DSCR program makes sense.
What Is DSCR?
DSCR stands for Debt Service Coverage Ratio. It measures whether a property’s rental income can cover its mortgage payment (principal, interest, taxes, insurance, and HOA when applicable).
- DSCR = 1.00 means rent equals payment (break-even).
- Many programs allow ratios around 1.00 (and sometimes below), depending on the scenario.
- Example: $2,000 rent ÷ $1,800 payment = 1.11 DSCR.
Why Investors Use DSCR Loans
- Property-first underwriting: approval driven by rent, not personal income.
- Cleaner documentation: lease or market rent — not years of tax returns.
- Scalable: designed for repeat purchases and portfolio growth.
- Flexible ownership: often available in personal name or LLC (program dependent).
Basic DSCR Checklist
- Lease agreement or market rent estimate
- Purchase price or current value estimate
- Down payment estimate
- Property taxes and insurance estimate
- Personal ID and basic entity info (if purchasing in an LLC)
How Parish Lending Makes DSCR Simple
- Quick “does it pencil?” DSCR review
- Program matching across investor lenders
- Clear, upfront documentation list
- Support through closing and your next property
Ready to finance your next rental?
Start with a quick eligibility check — then we’ll confirm the best DSCR options for your deal.