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DSCR Loans
Qualify based on what the property earns, not your personal income documents.
Built for real estate investors
Debt Service Coverage Ratio (DSCR) loans qualify a property based on its rental income relative to the mortgage payment, rather than your personal tax returns or W-2s. It’s a popular tool for investors scaling a portfolio or those with income that’s hard to document conventionally.
Qualification based on rental income, not personal income
No tax returns or employment verification required
Available for single-family, multi-family, and short-term rental properties
Close in the name of an LLC in many cases
Scaling your rental portfolio?
We’ll review the property’s cash flow and walk through DSCR eligibility.
DSCR loan basics
Qualification
Based on rental income vs. mortgage payment (DSCR ratio).
Documentation
No personal income or employment verification required.
Property types
Single-family, multi-family, and short-term rentals.
Occupancy
Investment properties only.