Loan program
DSCR Loans
DSCR loans are built for real estate investors. Instead of qualifying a borrower on personal income (W-2s, tax returns, pay stubs), underwriting is based on whether the property's rental income covers its own debt obligations — the debt service coverage ratio. That makes DSCR financing a popular option for self-employed investors, those with complex tax returns, or anyone scaling a rental portfolio.
Good fit for
- Real estate investors buying or refinancing rental property
- Self-employed borrowers with tax returns that understate cash flow
- Investors scaling beyond what personal-income qualification supports
Key features
- Qualify on the property, not your paystub
- The core metric is the ratio of the property's rental income to its debt obligations (principal, interest, taxes, insurance), not personal income documentation.
- No tax returns required in most cases
- Most DSCR programs skip traditional income verification, which speeds up the process for investors with complex finances.
- Designed for investment property
- DSCR loans are structured for non-owner-occupied investment properties, not primary residences.
- Portfolio-friendly
- Because qualification isn't tied to personal debt-to-income limits, DSCR financing is commonly used by investors acquiring multiple properties.
Common questions
What DSCR ratio do I need to qualify?
Requirements vary by lender and property; some programs allow a ratio below 1.0 with adjusted terms. A loan officer can review your specific property's numbers.
Can I use a DSCR loan for my primary residence?
No — DSCR programs are designed for investment property, not owner-occupied homes.
Talk through dscr loans with a licensed loan officer
Get a straight answer on whether this program fits your situation. A consultation is free and carries no obligation.
Educational overview only. Nothing on this page is a rate quote, an eligibility determination, or a commitment to lend. See Licensing & Disclosures for current licensing. Equal Housing Opportunity.