DSCR Loans for Real Estate Investors
Qualify based on rental income — not personal income. DSCR loans are designed for investors who want scalable, repeatable financing.
What Is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property’s ability to cover its own mortgage payment. Your tax returns and personal income are not used.
Check DSCR Eligibility in Minutes
Answer a few quick questions to see if your rental property qualifies.
Who DSCR Loans Are For
- Real estate investors purchasing or refinancing rental properties
- Portfolio landlords scaling beyond traditional limits
- Investors with strong properties but complex personal income
- Short-term or long-term rental owners (program dependent)
How DSCR Loans Work
- Rental Income Based: Approval driven by lease or market rent
- No Personal Income Docs: No tax returns or pay stubs required
- DSCR Ratios: Many programs allow ratios at or below 1.0
- Property Types: Single-family, condos, 2–4 units, some short-term rentals
Why Investors Use DSCR Loans
- Scalable financing for repeat purchases
- Faster approvals and closings
- Ideal for LLC or personal ownership
- Flexible Non-QM investor guidelines
Ready to let the property qualify?
If rental income supports the payment, a DSCR loan may be your best option.
