DSCR Loans

Scale your real estate portfolio by qualifying based on property cash flow, not personal income.

Program Overview

Debt Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors. Unlike traditional loans that scrutinize your personal debt-to-income ratio, DSCR loans focus on the income-generating potential of the property itself.

If the rental income from the property covers the monthly mortgage payment (PITIA), you qualify. This makes it incredibly easy to scale a portfolio without hitting the "debt wall" that often stops investors with traditional financing.

Key Benefits

No Personal Income

No W-2s, no tax returns, and no employment verification required.

Unlimited Properties

There is typically no limit to the number of financed properties you can own.

Close in an LLC

Protect your assets by closing the loan in the name of your LLC.

Short-Term Rentals

Many programs allow income from Airbnb/VRBO to qualify.

Standard Requirements

  • DSCR Ratio: Typically requires a ratio of 1.0 or higher (Rent / Mortgage Payment >= 1). Ratios < 1.0 are possible with higher down payments.
  • Credit Score: Generally 640-660 minimum.
  • Down Payment: Usually 20-25% down.
  • Reserves: 3-6 months of payment reserves are often required.

Documents Needed to Apply

  • Lease agreements (if currently rented)
  • Appraisal with 1007 Rent Schedule
  • LLC Articles of Organization (if applicable)
  • Bank statements (for down payment/reserves)
  • Copy of driver's license
  • Social Security number (for credit pull)

Grow Your Portfolio

Start leveraging the power of DSCR financing today.

Apply for a DSCR Loan