DSCR Loan Financing
Qualify for investment property financing based on your property's rental income — not your personal W-2 or tax returns. DSCR loans let you scale your portfolio without the income documentation headaches of conventional mortgages. Available for single-family, multi-family, and short-term rental properties across the U.S.
Strategy Call
Discuss your investment goals and property
Property Analysis
We qualify your deal based on rental income
Get Funded
Close in as few as 30 days
Investment Property Financing Without the Income Hassle
Conventional mortgages require extensive personal income documentation and limit you to 10 financed properties. DSCR loans remove both barriers, letting you qualify on the property's cash flow alone.
No Personal Income Verification
Qualify based entirely on the property's rental income. No W-2s, no tax returns, no employer verification — just the deal's cash flow.
Close in Your LLC
DSCR loans can close directly in your LLC or corporation, keeping your personal liability separate from your investment properties.
Fast 30-Day Closings
Streamlined underwriting focused on the property means faster approvals and closings, often within 30 days of application.
Competitive Rates
Access 30-year fixed-rate terms with competitive interest rates. No balloon payments, no adjustable rate surprises.
Unlimited Properties
Unlike conventional loans capped at 10 financed properties, DSCR loans have no portfolio limits — scale as fast as you can find deals.
Airbnb & STR Friendly
Short-term rental income from Airbnb, VRBO, and other platforms is accepted for DSCR qualification on eligible properties.
Ready to qualify based on your property's income?
Let's analyze your deal and find the right DSCR loan for your investment.
DSCR Financing Solutions for Every Strategy
Whether you're buying your first rental, scaling a portfolio, or financing Airbnb properties, we have a DSCR loan program designed for your investment strategy.
Purchase
Purchase rental properties using DSCR qualification — no W-2s, no tax returns, no employer verification. We evaluate the property's rental income against the mortgage payment to determine eligibility, so you can close faster and scale without personal income limits.
Discuss this financing optionWhat's Included
- Qualify on projected or actual rental income
- Single-family, 2-4 unit, and 5+ unit properties
- As little as 20% down for strong DSCR ratios
- Close in your LLC or personal name
- 30-year fixed-rate terms available
What Our Clients Say
Questions About DSCR Loans
Everything you need to know about qualifying for investment property financing based on rental income. Can't find your answer? Book a call with our team.
DSCR Loan Basics
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies you based on the property's rental income rather than your personal income. If the property's rental income covers the mortgage payment — typically at a ratio of 1.0 or higher — you can qualify regardless of your W-2, tax returns, or employment status.
DSCR is calculated by dividing the property's gross rental income by the total mortgage payment (principal, interest, taxes, insurance, and HOA if applicable). For example, if a property rents for $2,000/month and the total mortgage payment is $1,600/month, the DSCR is 1.25. Most lenders require a minimum DSCR of 1.0 to 1.25.
Any real estate investor purchasing or refinancing a non-owner-occupied investment property. DSCR loans are especially popular with self-employed investors, high-net-worth individuals, investors with complex tax returns, and anyone who has maxed out conventional financing limits. You'll typically need a minimum 620-680 credit score and 20-25% down payment.
Rates & Requirements
DSCR loan rates are typically 0.5-1.5% higher than conventional investment property rates, reflecting the reduced documentation requirements. Exact rates depend on your credit score, down payment, DSCR ratio, and property type. Investors with higher DSCR ratios and larger down payments receive the most competitive rates.
Most DSCR loans require 20-25% down for purchase transactions. Properties with higher DSCR ratios (1.25+) may qualify for 20% down, while lower ratios or riskier property types may require 25-30%. Cash-out refinances typically allow up to 75-80% loan-to-value.
Minimum credit scores range from 620-680 depending on the lender and program. Higher credit scores unlock better rates and lower down payment requirements. Most competitive programs require 700+ for the best terms.
Property Types & Strategies
Yes. Many DSCR lenders accept short-term rental income from Airbnb, VRBO, and other platforms. For new acquisitions, lenders may use AirDNA projections or comparable rental data. For refinances, they can use your actual booking history and platform income statements.
DSCR loans are available for single-family homes, condos, townhomes, 2-4 unit properties, and 5+ unit multifamily buildings. Some lenders also finance mixed-use properties where the residential component is dominant. The property must be non-owner-occupied.
Yes, DSCR loans can close directly in your LLC, S-Corp, trust, or other business entity. This is one of the major advantages over conventional loans, which typically require personal name ownership. Closing in an entity provides liability protection and cleaner portfolio management.
Process & Scaling
Most DSCR loans close in 21-45 days from application. The streamlined underwriting process — focused on the property rather than personal finances — means fewer conditions, fewer document requests, and faster approvals compared to conventional mortgages.
No. Unlike conventional loans, which cap at 10 financed properties per borrower, DSCR loans have no portfolio limits. You can finance as many investment properties as you qualify for, making DSCR the preferred tool for investors scaling beyond 10 properties.
DSCR loans are ideal for the refinance stage of BRRRR (Buy, Rehab, Rent, Refinance, Repeat). After purchasing with cash or a bridge loan, stabilizing the property, and placing a tenant, you refinance into a long-term DSCR loan based on the new appraised value and rental income.
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