DSCR Loans
Investor Financing Qualified by Property Cash Flow — Not Personal Income.
DSCR Loans
Featured ProgramA DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify using the property's projected rental income instead of personal income documentation. It's the go-to program for scaling a rental portfolio without the paperwork burden of conventional financing.
Highlights
- Qualify based on the property's rental income (Debt Service Coverage Ratio).
- No W-2s, tax returns, or personal DTI required.
- Available for LLCs and portfolio investors.
- Ideal for short-term rentals, long-term rentals, and BRRRR strategies.
Best For
- Real estate investors expanding a rental portfolio
- Self-employed borrowers whose tax returns understate cash flow
- Short-term rental (Airbnb / VRBO) operators
- LLC or entity-vested purchases
How it qualifies
We compare the property's gross rents to the proposed mortgage payment (PITIA). Most programs want a DSCR of 1.0 or higher, with the best pricing at 1.25+. Sub-1.0 (negative cash flow) options exist for strong scenarios.
Down payment
Typically 20–25% down for purchases; cash-out refinances up to 75% LTV.
Credit
Minimum FICO usually 660; better pricing at 720+.
Property types
1–4 unit residential, condos, condotels, and short-term rentals. 5–8 unit small-balance options available.
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