DSCR Loans for Real Estate Investors
No tax returns or income verification required. Qualify based on property cash flow from 260+ investor-friendly lenders.
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See if your investment property qualifies
What is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on the property's rental income rather than personal income. Perfect for self-employed investors, those with complex tax returns, or anyone building a rental portfolio.
How DSCR is Calculated
DSCR = Monthly Rental Income/Monthly Debt Payments
A DSCR of 1.0 means the property's rental income covers the mortgage payment. Most lenders prefer a DSCR of 1.25 or higher for the best rates, but we have programs starting at 0.75 DSCR.
Why Choose DSCR Loans?
No Tax Returns Required
Qualify without providing personal tax returns or W-2s. Perfect for self-employed investors.
Unlimited Properties
No limit on the number of financed properties. Scale your portfolio without restrictions.
Fast Closings
Streamlined process with closings in as little as 21 days. Beat the competition.
Competitive Rates
Access to 260+ lenders means competitive rates for your investment properties.
Flexible LTV Options
Up to 80% LTV for purchase and rate/term refinance. Cash-out options available.
Build Your Portfolio
Perfect for investors looking to grow their rental property portfolio quickly.
DSCR Loan Requirements
Property Requirements
- 1-4 unit residential properties
- Must be rented or ready to rent
- Single family, condo, or townhome
- Located in eligible states
Borrower Requirements
- Minimum 620 credit score
- Minimum 0.75 DSCR (property cash flow)
- 15-25% down payment
- 6-12 months reserves