Liberty Mortgage Group

DSCR Loans for Real Estate Investors

Investor Financing Based on Property Cash Flow — Not Personal Income

Get a DSCR Quote

Request a DSCR Loan Consultation

Tell us about your investment property or portfolio goals. A Liberty Mortgage Group loan specialist will review your scenario and follow up with a personalized DSCR loan quote and next steps.

Nationwide DSCR Lending Experts

NMLS #2847582 · Centennial, CO

We offer Business Purpose DSCR loans in 39 states plus Washington, D.C. — and we certify compliance with each state's requirements. Hover over the map to see where we lend.

Request a DSCR Quote

Fill out the form and a loan specialist will reach out within one business day.

A DSCR (Debt Service Coverage Ratio) loan is built for real estate investors who want to grow their rental portfolio without the paperwork of traditional income verification.

At Liberty Mortgage Group, we help investors across the country close fast on cash-flowing properties — whether you're buying a long-term rental in Texas, a short-term rental in Florida, or refinancing a portfolio in Georgia.

Where We Lend

DSCR Loans in 39 States + D.C.

We do Business Purpose Loans in the states highlighted below and certify compliance with each state's requirements.

AlabamaAlaskaArizonaColoradoFloridaGeorgiaIndianaKansasMaineMassachusettsMinnesotaNew JerseyNorth CarolinaNorth DakotaOklahomaPennsylvaniaSouth DakotaTexasWyomingConnecticutMissouriWest VirginiaIllinoisNew MexicoArkansasCaliforniaDelawareDistrict of ColumbiaHawaiiIowaKentuckyMarylandMichiganMississippiMontanaNew HampshireNew YorkOhioOregonTennesseeUtahVirginiaWashingtonWisconsinNebraskaSouth CarolinaIdahoNevadaVermontLouisianaRhode Island

Hover over a state to see availability

Available (39 states + DC) Not offered
Why DSCR

Built for Investors

Program Highlights

  • Qualify using the property's rental income — no W-2s, pay stubs, or tax returns.
  • Close in an LLC or entity name to protect and scale your portfolio.
  • Ideal for long-term rentals, short-term rentals, and BRRRR strategies.
  • Purchase, rate/term refinance, and cash-out options available.

Typical Requirements

  • Minimum credit score typically 660
  • 20–25% down for purchases
  • Cash-out refinances up to 75% LTV
  • Investment property only — no primary residences
  • Appraisal with market rent analysis
How It Works

Simple, Investor-Friendly Process

Calculate DSCR

We divide the property's gross monthly rent by the total monthly mortgage payment (PITIA). A ratio of 1.25+ typically earns the best pricing.

Qualify by Cash Flow

If the property cash flows, the loan qualifies. DSCR can be below 1.0 in some cases with compensating factors.

Investor-Friendly Terms

Finance 1–4 unit properties, condos, and short-term rentals. Portfolio options and 5–8 unit small-balance loans are also available.

Ready to Scale Your Portfolio?

DSCR loans are one of the fastest ways to qualify for investment property financing. Let's review your deal and give you a clear, competitive quote.

Call (720) 818-8000View All Loan Programs