DSCR Loans
DSCR Loans
Qualify on rental income — not personal income. No tax returns. Built for investors.
What It Is
DSCR (Debt Service Coverage Ratio) loans qualify based on the rental income of the investment property — not your personal income or tax returns. The DSCR is calculated by dividing the property's gross rental income by its total monthly debt obligations (PITIA). A DSCR of 1.0 or higher typically qualifies.
Who Qualifies
Real estate investors purchasing or refinancing 1–4 unit rental properties. No personal income documentation required. Ideal for investors with multiple properties, LLCs, or complex tax situations.
Basic Requirements
—Minimum 660 credit score
—DSCR of 1.0 or higher (0.75+ with higher down payment)
—20–25% down payment
—Investment property only (non-owner occupied)
—Appraisal with rent schedule required
—6 months reserves
Key Benefits
No personal income or tax returns required
Qualify based on property cash flow
No limit on number of financed properties
LLC and entity vesting allowed
Short-term rental (Airbnb/VRBO) income accepted
Cash-out refinance available
Ready to Get Started?
Talk to a loan officer today. We'll review your situation and find the best program for you — no obligation.