DSCR · Investor

DSCR loans, qualify on the property

Debt-service-coverage loans let real-estate investors qualify on a property’s cash flow instead of personal income documentation, the workhorse financing behind a growing rental portfolio.

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Program snapshot

Qualifies onProperty cash flow

Income docsMinimal / none

Target ratioOften ~1.0–1.25×

Specifics depend on your profile and current guidelines, we’ll walk through the numbers together.

Is this you?

Where it fits, and where to look twice

A strong fit when…

You’re building a rental portfolio and conventional income docs get in the way.
The property’s rent comfortably covers its own mortgage payment.
You want to scale without your personal DTI capping how many doors you can own.

Worth weighing…

Pricing hinges on the coverage ratio, thin cash flow means a higher rate or more down.
Down-payment and reserve requirements are typically higher than owner-occupied loans.
Thresholds and terms vary widely by lender, exactly what we shop for you.

How it works

The shape of the loan

The property carries itself

Lenders compare the rent to the full payment (principal, interest, taxes, insurance, HOA). A ratio above 1.0 means the property covers its own debt.

Less about your paystub

Because qualification leans on cash flow, DSCR loans skip much of the personal-income documentation conventional loans demand.

Built to scale

Since your personal debt-to-income isn’t the gate, DSCR financing lets serious investors keep adding properties.

What you’ll bring

The paperwork, demystified

Recent pay stubs

W-2s or 1099s

Two months of bank statements

Tax returns (if self-employed)

Photo ID

Details on any other debts

A starting list, not a final one, every file is a little different, and we’ll tell you exactly what yours needs.

Common questions

Answered straight

What DSCR do I need?+

Many programs look for roughly 1.0–1.25×. Above 1.0 means the rent covers the payment; higher ratios earn better pricing.

How much do I put down?+

Usually more than an owner-occupied loan, often 20–25%. We’ll find the lender with the best terms for your deal.

Can I hold the property in an LLC?+

Frequently, yes. DSCR lenders often allow entity vesting. We’ll confirm with the right lender.

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This page is informational and not a commitment to lend or a guarantee of any rate or term. All loans are subject to credit approval and program guidelines; not all applicants will qualify.

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Scaling a rental portfolio?

One conversation tells us whether this is your best move, or whether something else fits better. No pressure either way.

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