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DSCR Loans
Investment property loans based on rental income, not personal income.
20%
Min. Down Payment
660+
Min. Credit Score
N/A
Max DTI
Overview
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors. Qualification is based on the property's rental income rather than the borrower's personal income, making them ideal for scaling a real estate portfolio. No tax returns or employment verification required.
Key Benefits
- No personal income verification needed
- Based on property rental income
- No limit on number of properties
- LLC/entity vesting available
- Short-term rental income accepted
- Cash-out refinance available
Requirements
- 1DSCR ratio of 1.0 or higher (rent covers mortgage)
- 2Minimum credit score of 660
- 3Down payment of 20-25%
- 4Property must be investment (non-owner occupied)
- 5Appraisal with rental analysis required
Frequently Asked Questions
What is a DSCR loan?+
A DSCR loan qualifies borrowers based on the property's ability to generate enough rental income to cover the mortgage payment. A DSCR of 1.0 means the rent exactly covers the mortgage; above 1.0 means the property cash flows positively.
Do I need to show tax returns for a DSCR loan?+
No, DSCR loans do not require tax returns, W-2s, or employment verification. Qualification is based entirely on the investment property's rental income potential.
Can I use a DSCR loan for Airbnb or short-term rentals?+
Yes, many DSCR lenders accept short-term rental income from platforms like Airbnb and VRBO. Income can be verified through rental history, lease agreements, or market rent analysis.
Interested in DSCR Loans?
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