DSCR Loans for Real Estate Investors
Qualify with Property Cash Flow — Not Your Personal Income
If you're a real estate investor, there’s a smarter way to finance your next property.
A DSCR (Debt Service Coverage Ratio)loan allows you to qualify based on the income your property generates—not your tax returns, W-2s, or pay stubs.
No income verification. No unnecessary paperwork. Just a focus on cash flow.
Why Investors Choose DSCR Loans
- ✅ No personal income required
- ✅ Qualify using rental income
- ✅ Faster, simpler approvals
- ✅ Ideal for building or scaling a portfolio
- ✅ No limit on the number of properties you can finance
Whether you're buying your first rental or your tenth, DSCR loans are built to help you grow.
How It Works
Instead of reviewing your personal finances, lenders evaluate the property using a simple formula:
DSCR = Rental Income ÷ Total Monthly Expenses (PITIA)
- A ratio of 1.0 or higher means the property covers its expenses
- The stronger the cash flow, the stronger your approval
Basic Requirements
While guidelines vary, most DSCR loans include:
- DSCR: 1.0 or higher
- Credit score: 620+
- Down payment: Typically 20% or more
- Loan amounts: $100K – $3M+
- Property type: Income-producing investment properties only
Who This Is For
- Real estate investors
- Self-employed borrowers
- Clients with complex income
- Buyers looking to scale a rental portfolio
If the property makes sense, the loan can too.
What to Keep in Mind
- Larger down payments are common
- Rates may be slightly higher than traditional loans
- Prepayment penalties may apply
- Cash flow depends on tenant occupancy
Let’s Get You Home — and Building Wealth