Qualify based on your property's rental income — not your personal tax returns. The ideal solution for real estate investors, self-employed borrowers, and anyone who doesn't fit the traditional lending box.
DSCR stands for Debt Service Coverage Ratio — a simple formula that measures whether a property generates enough rental income to cover its mortgage payments. Lenders use this number instead of your personal income to determine eligibility.
This makes DSCR loans the go-to choice for real estate investors, self-employed borrowers, and anyone with complex income who can't easily qualify through traditional underwriting.
The property does the qualifying — not you. If the numbers work on the property, you can get funded.
No W-2s, paystubs, or personal tax returns required.
Scale your portfolio without hitting traditional loan limits.
Perfect for borrowers with write-offs that reduce taxable income.
Streamlined underwriting. Close in as little as 21 days.
Competitive rates, flexible guidelines, and real options for serious investors.
From single-family rentals to short-term vacation properties — if it generates rental income, we have a DSCR program for it.
The most common DSCR property. Standard LTRs, section 8, market-rate rentals.
Duplexes, triplexes, and fourplexes. Great for house-hacking or pure investment.
Apartment buildings qualify. Underwritten on net operating income and DSCR.
Airbnb, VRBO, vacation rentals. We use AirDNA or 12-month income history.
One application. Takes 5 minutes. No impact on credit yet.
We analyze the rental income and run the DSCR calculation.
We match you with the best DSCR lender from our 122+ network.
Review your rate, term, and closing costs. No obligation.
Appraisal, title, close. As fast as 21 days from application.
Most of our lenders fund at a minimum DSCR of 0.75, which means the property's rental income covers 75% of the mortgage payment. Some programs require 1.0 (break-even) or higher for better rates. The lower the DSCR, the higher the rate — but we can often still get you funded when others can't.
No. DSCR loans are qualified purely on the property's rental income relative to the debt service. No W-2s, pay stubs, or personal tax returns are required. This is the single biggest advantage for self-employed investors and those with complex income.
Yes — and it's actually required for our DSCR programs. All loans must vest in a business entity: LLC, LLP, S Corp, C Corp, or Trust. This is standard for investment property DSCR loans and provides liability protection for your portfolio.
For short-term rentals (Airbnb, VRBO), lenders typically use either 12 months of actual income history or a market rent estimate from AirDNA. If the property is new, we'll use AirDNA's projected gross rental income for the area.
Most DSCR programs require a minimum 620 credit score. Better scores (680+, 720+) unlock significantly better rates. If your score is below 620, ask us about our credit repair program — we can help you get there.
Unlike conventional loans (which cap out at 10 financed properties), DSCR loans have no portfolio cap with most lenders. Serious investors use DSCR to scale to 20, 50, or 100+ properties because each deal is underwritten independently on its own income.
One application connects you to 122+ lenders. No personal income verification. No obligation to proceed.