DSCR Investor Loans
Qualify based on the property's rental income — not your personal tax returns. The go-to financing tool for real estate investors who want to scale without the documentation headaches.
DSCR Investor Loans
Debt Service Coverage Ratio (DSCR) loans are purpose-built for real estate investors — particularly those who are self-employed, have complex income, or have optimized their tax returns to minimize taxable income. Instead of scrutinizing your W-2s and tax returns, the lender analyzes whether the rental income covers the mortgage payment. If the math works on the property, it often works on the loan.
Key Requirements
Benefits
- ✓No personal income verification — Qualify entirely on the property's rental income — perfect for self-employed investors or those with complex taxes.
- ✓Scale your portfolio faster — Each property qualifies on its own merits — no more being limited by your personal DTI ratio.
- ✓No employment history required — No W-2s, no pay stubs, no job history. The property is the underwrite.
- ✓Short-term rental income accepted — Some DSCR programs allow Airbnb and VRBO income to qualify — great for vacation market investors.
- ✓Close in an LLC — Many DSCR programs allow closing in the name of an LLC or entity for asset protection.
How DSCR Is Calculated
DSCR = Gross Monthly Rent ÷ Monthly PITI (principal, interest, taxes, and insurance). A ratio of 1.0 means the property breaks even. A ratio of 1.25 means it generates 25% more income than its mortgage costs. Most lenders want a minimum DSCR of 1.0–1.25, though some programs allow ratios as low as 0.75 for strong credit borrowers. Our team will calculate your property's DSCR before you make an offer.
DSCR vs. Conventional Investment Loans
Conventional investment property loans require full income documentation, lower DTI ratios, and often more restrictive underwriting. DSCR loans bypass all of that — making them faster to close, more scalable, and accessible to investors whose paper income doesn't reflect their actual wealth. If you've hit a wall with conventional financing, DSCR is often the unlock.
Frequently Asked Questions
In most DSCR programs, no. The underwriting focuses entirely on the property's rental income vs. the mortgage payment. Some programs require a brief statement of assets or net worth, but W-2s and tax returns are typically not required.
This varies by lender. Many accept a market rent appraisal (from the appraisal itself) to determine qualifying rental income — you don't need an existing tenant. Our team will identify lenders that work best for your property's current status.
Yes. Many DSCR programs are specifically designed to allow closing in the name of an LLC, LP, or other entity. This is one of the key advantages for investors seeking liability protection. Our team will help structure the transaction appropriately.
Most DSCR programs don't cap at 10 properties like conventional investment loans. We work with lenders who finance investors with 20, 30, even 50+ properties. Portfolio scaling is exactly what DSCR is designed for.
From application to closing
Apply Online
Complete our secure 5-minute digital application at no cost or obligation.
Team Review
Our team analyzes your situation and recommends the ideal program, term, and rate strategy.
Pre-Approval
Receive a credible pre-approval letter — often within 24 hours — that makes your offer stand out.
Close & Move In
We guide you to the closing table in 21–30 days with zero surprises. Then celebrate.
Scale your portfolio without the W-2 headache.
Our team runs DSCR calculations before you make an offer so you know what will qualify. Let's talk about your next investment property.