A DSCR loan is underwritten around your investment property's rental income — not your tax returns, W-2s, or personal debt-to-income ratio. Built for investors who want financing that keeps pace with how they actually do business.
Not a commitment to lend. DSCR loans are Non-QM investment property programs subject to eligibility, property, and lender guidelines.
Financing built around your investment strategy, not your pay stubs.
Qualification is based on the property's rental income, not your personal income documentation.
Lenders look at the property's rent relative to its mortgage payment instead of your personal DTI.
Many programs allow title to be held in an LLC or other eligible business entity.
Because qualification isn't tied to personal income, DSCR financing can make it easier to grow a multi-property portfolio.
Many programs accept short-term or vacation rental income, subject to lender guidelines.
Direct support finding the right DSCR program and structuring your file for approval.
General guidelines for DSCR investor financing. Exact requirements depend on the specific program and lender.
We'll discuss your investment goals and whether a DSCR loan fits your strategy.
We'll look at projected or in-place rent alongside the property's expenses to estimate your DSCR ratio.
Submit your application; an appraisal (often including a rent schedule) confirms value and rental income.
Close on your investment property and put your financing to work.
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on an investment property's rental income relative to its debt obligations, rather than the borrower's personal income, tax returns, or employment history.
Generally no. DSCR loans are qualified using the property's rental income relative to its debt service, not your personal income, W-2s, or tax returns. Requirements still vary by lender and program.
Requirements vary by lender and program. A ratio of 1.0 or higher generally means the property's rental income covers its full mortgage payment; some programs allow lower ratios with adjusted pricing or terms.
Many DSCR programs allow short-term rental income, though eligibility, documentation, and income calculation methods vary by lender and property type.
Many DSCR programs allow title to be held in an LLC or other eligible business entity. Requirements vary by lender and program.
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