DSCR Loan (Debt Service Coverage Ratio)
DSCR loans are designed specifically for real estate investors. Instead of qualifying based on your personal income, the loan qualification is based on the rental income the investment property generates relative to the mortgage payment.
How It Works
DSCR is calculated by dividing the property’s gross rental income by the total monthly mortgage payment (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 or higher means the property’s income covers the debt payment.
Key Benefits
No personal income verification — No W-2s, pay stubs, or tax returns needed.
Unlimited properties — No cap on the number of investment properties you can finance.
Close in LLC or entity name — Available for business entities.
Fast closings — Streamlined process with fewer documentation requirements.