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DSCR Loans
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income the property generates — not your personal tax returns or W-2s. Ideal for investors building or scaling rental portfolios.
Best Fit
Who This Program Is For
Investors purchasing or refinancing rental properties
Self-employed borrowers who prefer not to use personal income documentation
Portfolio builders adding cash-flowing assets
BRRRR strategy investors refinancing into long-term holds
Qualification
How Qualification Works
DSCR ratio typically 1.0+ (property income covers debt payments)
Minimum credit score requirements vary by lender
Property appraisal with rent schedule or lease agreements
Down payment typically 20-25%
Available for purchase and refinance
Key Benefits
No personal income verification required
Qualification based on property cash flow
Available for single-family, multifamily, and mixed-use
Supports LLC and entity ownership
Streamlined documentation process
Competitive rates for investment properties
Key Considerations
Typically requires a minimum DSCR ratio (often 1.0 or higher)
Higher down payment than conventional loans (usually 20-25%)
Interest rates may be slightly higher than conventional products
Property must demonstrate rental income potential
Process
How It Works
STEP 01
Initial Consultation
Discuss your investment goals, target property, and expected rental income.
STEP 02
DSCR Analysis
We calculate the property's DSCR using market rents or existing leases.
STEP 03
Loan Structuring
We match you with the best DSCR product for your deal, timeline, and goals.
STEP 04
Documentation & Underwriting
Streamlined documentation focused on the property, not your personal finances.
STEP 05
Closing & Funding
Close on schedule with a clear understanding of your terms and monthly obligations.
FAQ
Frequently Asked Questions
Ready to Explore DSCR Loans?
Talk with an advisor who can walk you through qualification, terms, and next steps for your specific deal.