Investor DSCR Loans
Qualify on rental income — not your personal income — and grow your portfolio faster.
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is a type of investment property mortgage that qualifies borrowers based on the rental income of the property rather than the borrower's personal income. This makes it an ideal solution for real estate investors who are self-employed, have complex tax returns, or own multiple properties.
The DSCR is calculated by dividing the property's gross rental income by its total monthly debt obligations (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 or higher generally means the property covers its own costs — and many lenders will approve loans at or above this threshold.
Key Benefits
- Qualify based on property cash flow, not personal income
- No personal income verification or tax returns required
- Ideal for self-employed investors
- Scale your portfolio without income limitations
- Available for single-family, multi-family, and short-term rentals
Is a DSCR Loan Right for Your Investment Strategy?
DSCR loans are built for real estate investors who want to grow their portfolio without being limited by traditional income documentation requirements. They're especially popular with investors who own multiple properties, operate short-term rentals (Airbnb/VRBO), or have significant write-offs on their tax returns.
Whether you're acquiring your first rental property or your fifteenth, our team can structure a DSCR loan that fits your investment goals and helps you close quickly.
Grow Your Investment Portfolio
Get pre-approved based on your property's income — not your personal tax returns.