DSCR Loans
Investor financing based on rental income, not personal income.
Debt Service Coverage Ratio (DSCR) loans qualify investors based on the cash flow of the rental property itself — not personal income, W-2s, or tax returns. Perfect for scaling a portfolio.
DSCR Loans Highlights
Qualification is based on the property's rental income.
Build a portfolio without conventional financing caps.
Close in the name of your business entity for asset protection.
Streamlined documentation often shortens timelines.
Best For
- Real estate investors scaling a rental portfolio
- Self-employed buyers with complex tax returns
- Borrowers wanting to vest in an LLC
General Requirements
- Property cash flow (rents) typically at or above the loan payment
- Minimum credit score generally 660+
- Down payment usually 20–25%
- Investment-property only (non-owner-occupied)
Frequently Asked Questions
Programs vary — many require a 1.0 ratio (rents cover the payment), and some allow ratios below 1.0 with a larger down payment.
Yes, certain DSCR programs allow projected or actual short-term rental income (Airbnb/VRBO) to qualify.
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