DSCR Loans for Real Estate Investors

DSCR loans allow real estate investors to qualify using rental income instead of personal income.

No tax returns. No employment verification. Just property-based financing designed for investors building rental portfolios.

Whether you’re purchasing long-term rentals, short-term rentals, or building new investment properties, DSCR loans provide a flexible path to scale your portfolio.

What You Can Use DSCR Loans For

✔ Long-Term Rental Properties

✔ Short-Term Rentals (Airbnb / VRBO)

✔ 2–4 Unit Investment Properties

✔ Cash-Out Refinances

✔ Rate & Term Refinances

✔ New Construction Investment Properties

Typical DSCR Loan Requirements

✔ Minimum Credit Score: Typically 680+

✔ Down Payment: Usually 20–25%

✔ Property Types: Single-family, condos, 2–4 units

✔ Income Qualification: Based on rental income (not employment)

✔ No Tax Returns Required

✔ LLC Ownership Allowed

How DSCR Loans Work

DSCR stands for Debt Service Coverage Ratio.

Instead of using your personal income, lenders qualify you based on the property’s rental income.

Projected Rental Income ÷ Mortgage Payment = DSCR Ratio

If the property’s income covers the mortgage payment, you may qualify — even without traditional income documentation.

Real DSCR Loan Example

Purchase Price: $400,000
Down Payment: 25% ($100,000)
Loan Amount: $300,000

Estimated Monthly Payment (PITI): $2,300
Projected Rental Income: $2,900

DSCR Ratio: 1.26

Since the rental income covers the mortgage payment, this property would typically qualify for DSCR financing.

Why Investors Choose DSCR Loans

✔ No Personal Income Required
✔ No Tax Returns Needed
✔ Qualify Based on Rental Income
✔ Close in an LLC
✔ Unlimited Number of Properties
✔ Available for Short-Term Rentals
✔ Flexible Options for Real Estate Investors

DSCR Loan Options

✔ DSCR Purchase Loans
Buy long-term or short-term rental properties using rental income to qualify.

✔ DSCR Cash-Out Refinance
Access equity from your investment properties to fund new opportunities.

✔ DSCR Rate & Term Refinance
Lower your interest rate or adjust loan terms on your existing rental property.

✔ DSCR New Construction Loans
Finance ground-up investment property construction using DSCR qualification.

Get Pre-Qualified for a DSCR Loan

Find out how much you can qualify for based on your property’s rental income.

Fast pre-qualification. No tax returns required. Investor-friendly financing options nationwide.