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DSCR Loans for
Real Estate
Investor
Qualify using the property's rental cash flow—often without personal income documents.
CHECK DSCR
ELIGIBLITY
CREATE PRE-APPROVAL LETTER
Property Cash Flow
Focus
Fast
Closing
Competitive
Pricing
Flexible
Docs
Multiple Properties Welcome - Build Your Portfolio
What is a DSCR Loan?
A DSCR loan is an investor mortgage where qualification is primarily based on the property's cash flow.
Real Estate Investor
DSCR =
Monthly Rent
Monthly PITIA
P - Principal
I - Interest
T - Taxes
I - Insurance
A - Asscociation (HOA)
Why It Matters
If the property supports the payment, you may qualify even if your personal income is complex.
Property Performance drives your qualification, not jsut your tax returns.
Who DSCR is Best For
Rental Property Investor
Real estate investor buying 1-4 unit rental properties
Self-Employed Borrowers
Prefer rental-based qualification over complex tax returns
LLC / Entity Buyers
Using LLC or entity vesting for asset protection
First-Time Investors
Building a rental portfolio from the ground up
Portfolio Investors
Investors with multiple financed properties
Ready to Get Started?
Check you eligibility in minutes
DSCR Program Highlights
Qualify primarily based on rent/cash flow
Competitive investor pricing (varies by scenario)
Purchase and refinance options
Interest-only options may be available
Short-term rental options may be available
Typical Requirements
(Example Ranges)
Credit Score
680+
Down Payment
20-25%
Reserves
6-12 months
Appraisal
with rent schedule
Entity/LLC Allowed
Yes
All terms to underwriting, appraisal, title, and program guidelines
Note: Guidelines vary by lender, property type and credit profile
Simple DSCR Example
Market Rent
$2,500
/month
PITIA
$2,250
/month
DSCR Ratio
1.11
Stronger qualifying Scenario
Documents Checklist
We'll guide you step -by-step through the process
-
Photo ID
-
LLC Documents (if Vesting in entity)
-
Purchase Contract (for purchases)
-
Current mortgage statement (for refinances)
-
Insurance quote ( if needd)
-
Bank statements for assets/down payment
Ready to Check Eligibility?
Get started with your DSCR loan application today.
Check DSCR Eligibility
CREATE PRE-APPROVAL LETTER
Frequently Asked Questions
1. What does DSCR for? DSCR means Debt Service Coverage Ratio. It measures how well the rent covers the monthly housing payment (PITIA - Principal, Interest, Taxes, Insurance, and HOA).
2. Do DSCR loans require personal Income? Often DSCR focuses on property cash flow. Some scenarios may still review overall profile—guidelines vary by lender and situation.
3. What DSCR ratio do I need? Minimum DSCR requirements vary by lender, property type, and credit. We'll check the best fit for your scenario to find the right program.
4. Can I do a DSCR cash-out refinance? Yes, cash-out may be available based on equity, DSCR, and program rules. Contact us to discuss your specific situation.
5. Can I buy in LLC? Many DSCR lenders allow LLC/entity vesting. Requirements vary by lender, so we'll help match you with the right program for your entity structure.​​​​
