DSCR Investor Loans
A DSCR loan qualifies real estate investors on a property's rental income rather than personal income — no tax returns or employment verification required. Lenders generally look for a debt service coverage ratio of 1.0 or higher, a credit score of 620 or above, and 20–25% down. Title can often be held in an LLC.
Qualify based on the property's rental income — not your personal income. The ideal financing solution for real estate investors looking to scale their portfolio without the complexity of personal income documentation.
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio — a metric that measures whether a property generates enough rental income to cover its mortgage payment. A DSCR of 1.0 means the rent exactly covers the debt; above 1.0 means positive cash flow; below 1.0 means the property doesn't fully cover the payment.
DSCR loans are underwritten based on the property's income potential rather than the borrower's personal income. This makes them ideal for investors who are self-employed, have complex tax returns, or simply want to keep their investment financing separate from their personal financial picture.
With no personal income verification required, DSCR loans allow experienced investors to scale their portfolios efficiently — closing deals faster and with less documentation friction.
Who DSCR Loans Are For
- Real estate investors — new and experienced
- Self-employed borrowers with complex returns
- Investors who want to keep personal/investment finances separate
- Borrowers scaling a rental portfolio quickly
- Those purchasing short-term rental (STR/Airbnb) properties
- LLC or entity-based investors (many lenders accept)
Eligible Property Types
- Single-family investment properties (1–4 units)
- Condos and townhomes
- Short-term rentals (Airbnb/VRBO) — market rent used
- 5–8 unit properties with some lenders
- Non-owner occupied only
DSCR Loan Guidelines
Qualification Criteria
- DSCR ratio typically 0.75–1.0 minimum
- Credit score 620+ (680+ for best pricing)
- No personal income documentation required
- Property must be non-owner occupied
- Appraisal with rent schedule (Form 1007) required
Loan Parameters
- Loan amounts up to $3M+ (lender dependent)
- LTV up to 80% for purchase
- Cash-out refinance available up to 75% LTV
- 30-year fixed, ARM, and interest-only options
- Loans in LLC or entity name accepted by many lenders
Documentation
- Lease agreement or market rent appraisal
- Standard credit and asset documentation
- No tax returns or pay stubs required
- Entity documents if borrowing in LLC
- Insurance and title documentation
Scale Your Investment Portfolio Faster
No personal income verification. No W-2s. Just the property's numbers — and our network of 100+ lenders competing for your deal.
No credit pull required. NMLS #2697124
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