DSCR Loans

Qualify on property income, not yours

DSCR loans let rental investors scale their portfolios without income verification. Qualify based on your property's cash flow—perfect for self-employed investors, portfolio holders, and complex tax situations.

How DSCR Works

DSCR (Debt Service Coverage Ratio) measures a rental property's ability to cover its debt payments. It's calculated as:

Net Rental Income ÷ Monthly Debt = DSCR

A property with $2,000/month in net rental income and $1,500 in monthly debt payments has a 1.33 DSCR.

Loan Details

  • Loan Amounts: $100K - $5M
  • Terms: 15, 20, 25, or 30 years
  • DSCR Minimum: Typically 1.0-1.25
  • Property Types: 1-4 unit residential, 5+ unit multi-family
Use Cases

Perfect For

DSCR loans are ideal for:

Required Documents

Have questions about DSCR loans? Our lending specialists are ready to walk you through the process and find the right solution for your investment strategy.

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Get pre-qualified for a DSCR loan in minutes. Our team will review your property and provide a no-obligation quote.

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