What Is a DSCR Loan?
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want to qualify based on the property’s income—not their own.
If your rental income covers the monthly loan payment, you can get approved — no W-2s, tax returns, or personal income required.
Time is a valuable asset, so if you’re ready — don’t waste it and…
Why Real Estate Investors Choose DSCR Loans
- No Income Verification Needed
No tax returns. No job history. Just the property’s cash flow.
- Perfect for LLCs & Portfolio Growth
Close in your business name and scale faster.
- Works for Airbnb, Long-Term Rentals & Multifamily
1–4 unit properties, short-term rentals, and more.
- Fast Approvals
Get a quote in 24 hours. Close in as little as 10–14 days.
- Flexible Terms
Low DSCR thresholds and competitive rates available.
How Does a DSCR Loan Work?
We calculate your DSCR by dividing the property’s monthly rental income by the monthly mortgage payment (PITIA).
If the result is 1.0 or higher, you may qualify.
Example:
$2,000 Rent ÷ $1,800 Loan Payment = 1.11 DSCR
No need for job history, personal DTI, or traditional underwriting.
Who Can Benefit From DSCR Loans?
- First-time real estate investors.
- Airbnb/short-term rental hosts.
- Full-time landlords building portfolios.
- Investors with inconsistent or self-employed income.
- Borrowers with complex financials or multiple properties.
DSCR Calculator
Exclude debt & interest. Include taxes, insurance, utilities, etc.Include PITIA (principal, interest, taxes, insurance, HOA fees)
Only 20% Down Payment
Get Pre-Qualified Today
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DSCR Loan FAQs
What credit score do I need?
Typically 620+, but we have options down to 600.
What’s the minimum DSCR ratio?
Most programs require 1.0, but we can go as low as 0.75 in some cases.
Can I buy in an LLC?
Yes! We specialize in investor-friendly loans that can close in your LLC’s name.
Do you lend in my state?
We fund in most U.S. states — just ask!
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