Dscr Loans

Dscr Loans

DSCR Loans Property-Based Qualifying

What Are DSCR Loans?

DSCR Formula

DSCR Example

DSCR Loan Requirements

Property Requirements

Borrower Requirements

Loan Terms

Why Investors Choose DSCR Loans

Frequently Asked Questions

Ready to Scale Your Portfolio?

TRADITIONAL LOANS

NON-QM LOANS

The ultimate investor loan. No personal income verification required—qualify based solely on the property rental income. Perfect for building your real estate portfolio without income documentation limits.

DSCR (Debt Service Coverage Ratio) loans are investment property mortgages that qualify borrowers based on the property cash flow rather than their personal income. If the rental income covers the mortgage payment, you can qualify—regardless of your personal tax returns or W-2 income.

Monthly Rent ÷ Monthly PITIA

DSCR ≥ 1.0 = Loan Qualifies!

This property qualifies! The DSCR of 1.25 means the property generates 25% more income than needed.

Simple requirements focused on property performance and investment experience

Available for purchase and refinance. Cash-out options available.

The preferred financing solution for serious real estate investors

Get answers to common questions about DSCR loans

Let your properties qualify for themselves. Get started with a DSCR loan today.

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