DSCR Loans

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Income-based financing for investment properties using rental income to qualify.

What are DSCR Loans?

DSCR (Debt Service Coverage Ratio) loans are a type of investment property financing that qualifies borrowers based on the property's rental income rather than personal income. The DSCR is calculated by dividing the property's net operating income by the mortgage payment.

This makes DSCR loans ideal for self-employed investors, those with complex tax returns, or anyone who wants to scale their portfolio without traditional income documentation requirements.

Key Benefits

No personal income verification

Qualify based on property cash flow

Close in LLC or corporation name

Unlimited properties allowed

No DTI requirements

Long-term fixed rates available

Basic Requirements

DSCR ratio of 1.0 or higher

Minimum credit score 620+

Investment property only

Rental income documentation

Property appraisal required

Title insurance

Quick Facts

Loan Amount

$100K - $3M+

LTV

Up to 80%

Closing Time

2-3 Weeks

Terms

30-Year Fixed

No hard credit pull required