Built for Real Estate Investors
Qualify With Rental Income
DSCR loans use a property’s rental income and cash flow to qualify, reducing the need to verify personal income.
No Tax Returns Required
Many investors qualify without providing tax returns, W-2s, or pay stubs, helping streamline the approval process.
Expand Your Portfolio
DSCR loans allow investors to focus on a property’s performance, making it easier to acquire additional rental properties.
Faster Closings
With less income documentation required, DSCR loans often offer a faster path to closing, helping investors compete in a competitive market.
frequently asked questions
Yes. DSCR loans can be used to purchase, refinance, or complete a cash-out refinance on eligible investment properties.
DSCR loans can be used for many investment properties, including single-family rentals, condos, townhomes, and multi-unit properties, subject to program guidelines.
Credit requirements vary by lender, but many DSCR programs look for scores of 620 or higher, with stronger credit profiles often receiving better terms.
DSCR stands for Debt Service Coverage Ratio, a measurement that compares a property’s rental income to its mortgage payment and other housing expenses.
DSCR loans qualify borrowers based primarily on a property’s rental income and cash flow, rather than personal income documented through tax returns.
In many cases, no. DSCR loans are designed for investors who prefer to qualify using the property’s performance instead of personal tax returns.
