DSCR Investor Loans

What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is an investment property loan that uses the property's rental income to qualify, rather than your personal income. This makes it ideal for real estate investors, self-employed borrowers, and those looking to scale their investment portfolio.

Key Benefits

• No Personal Income Verification: Qualify based on property cash flow
• No Tax Returns Required: Streamlined documentation
• Unlimited Properties: No cap on number of financed properties
• Close in LLC or Entity: Asset protection options
• Short-Term Rentals: Airbnb/VRBO income may qualify
• Fast Closings: Simplified underwriting process

How DSCR Works

The DSCR is calculated by dividing the property's rental income by the mortgage payment (PITIA - Principal, Interest, Taxes, Insurance, and Association dues).

DSCR Loan Requirements

Ideal For

• Real estate investors building a portfolio
• Self-employed borrowers with complex tax returns
• Investors who want to close in an LLC
• Buyers of short-term rental properties
• Borrowers with multiple financed properties