DSCR loans let real-estate investors qualify on a property's rental income — no tax returns, no W-2s, no personal income documentation.
DSCR stands for Debt-Service Coverage Ratio — a measure of whether a property's rent covers its mortgage payment. For real-estate investors, it's a game-changer: instead of scrutinizing your personal income, we look at whether the property pays for itself.
That means no tax returns, no pay stubs, and no limits based on how many properties you already own. If the numbers on the property work, you can qualify — and you can vest title in an LLC to keep your investing clean and separate.
If the property covers its own payment, your personal income doesn't have to enter the conversation.
Approval is based on the property's rental income versus its payment — not your personal tax returns.
Skip the W-2s, pay stubs, and tax returns. This is a true no-personal-income-doc investor loan.
Hold title in an LLC to separate your investments and simplify your books — commonly permitted on DSCR.
Traditional loans limit how many mortgages you can hold. DSCR is built for investors scaling a portfolio.
Buy your next rental or pull cash out of one you already own to fund the next deal.
Fewer personal documents often means a more streamlined path from application to closing.
General guidelines — not hard cutoffs. The best way to know where you stand is a quick, no-pressure conversation.
It compares the property's rental income to its full mortgage payment (principal, interest, taxes, insurance, and any HOA). A ratio at or above 1.0 means the rent covers the payment. Some programs allow ratios below 1.0 with adjustments.
Correct — DSCR loans don't use your personal income to qualify. We focus on the property's numbers, your credit, and your down payment instead. It's designed for investors whose tax returns don't reflect their true buying power.
Yes, in most cases. Vesting title in an LLC is a common and welcomed feature of DSCR lending, helping you keep your investment activity organized and separate.
Unlike conventional financing, DSCR programs generally don't cap the number of financed properties, which makes them ideal for investors actively growing a portfolio.
Send us the property and target rent, and a loan officer will tell you whether it pencils out on DSCR — and what your terms could look like.
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