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DSCR Investor Loans
The loan that qualifies on cash flow, not income.
Debt Service Coverage Ratio loans let real estate investors qualify based on what the property earns — not what they personally earn. W-2, 1099, or self-employed.
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What It Is
Income from the property. Not from you.
A DSCR loan — Debt Service Coverage Ratio — is an investment property loan that qualifies you based on the rental income the property generates, not your personal tax returns, W-2s, or pay stubs.
The formula is simple: if the property's monthly rent covers the monthly mortgage payment (and then some), you qualify. This makes DSCR loans the go-to financing tool for real estate investors who are self-employed, have complex income, or are scaling beyond what traditional lenders will accommodate.
Who It's For
- Real estate investors acquiring rental properties
- Self-employed borrowers with non-traditional income documentation
- Investors scaling a portfolio beyond conventional loan limits
- Business owners who keep income inside their entity
- Out-of-state investors purchasing in high-cash-flow markets
How It Works
01
Identify the property
We calculate the expected rental income — typically using a lease or market rent appraisal.
02
Calculate the DSCR ratio
Net Operating Income divided by annual debt service. A ratio of 1.0+ typically qualifies. 1.25+ gets the best rates.
03
Submit your application
No tax returns required. No income verification against your personal earnings. Just the property numbers.
04
Close and cash flow
Most DSCR deals close in 21–30 days. Rinse and repeat for your next acquisition.
DSCR Quick Facts
- No personal income verification required
- Works for single-family, multi-unit, short-term rentals
- Available for LLCs and entities
- Can be used on multiple properties simultaneously
- Interest-only options available on some programs