Get a FREE quote on a DSCR Loan & save thousands of dollars per year.
A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies you based on the cash flow of the property - not your personal income. No W-2s, no tax returns, no pay stubs required. Lenders simply look at whether the property’s rental income covers the mortgage payment. A DSCR of 1.0 means the rent equals the payment; above 1.0 means the property cash flows positively. This makes DSCR loans ideal for self-employed investors, those with complex tax returns, or anyone building a rental portfolio without jumping through traditional income-verification hoops.
We’re here to make the investment property loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE DSCR Loan Qualifier.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re purchasing your first rental property or expanding an existing portfolio.
The DSCR Loan Process
Here’s how our loan process works:
If your rental property generates enough income to cover the monthly mortgage payment, you may qualify - even with no provable personal income. DSCR loans are available for single-family rentals, multi-unit properties, and short-term rentals. Most programs require a minimum DSCR of 0.75 - 1.0, a credit score of 620 or higher, and a down payment of 20 - 25%. Because qualification is property-driven rather than borrower-income-driven, closings are often faster and far less paperwork-intensive than conventional investment loans.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:
