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Investor financingQualify on rental income.
No W-2 required.
DSCR loans let investment properties speak for themselves. If the rent covers the payment, you qualify — regardless of your tax returns, employment status, or how many properties you already own.
The property qualifies. Not you.
Traditional mortgages rely on your W-2, tax returns, and personal debt-to-income ratio. DSCR loans flip that model. Lenders look at one number: does the rental income cover the mortgage payment?
That number is your Debt Service Coverage Ratio. A DSCR of 1.0 means rent equals the payment — break-even. A 1.25 means the property generates 25% more income than it costs to carry.
The formula
Gross Rent ÷ PITIA = DSCR
Example: $2,400 rent ÷ $1,800 payment = 1.33 DSCR — qualifies on most programs.
DSCR Calculator
Enter the monthly rent and your estimated payment to see your DSCR instantly.
Principal, interest, taxes, insurance & HOA
Estimates only. Not a commitment to lend. Actual terms depend on lender, property, and borrower qualification.
Built for real estate investors.
The portfolio builder
You've already maxed out your conventional loan count and need a path to keep scaling. DSCR has no cap on financed properties.
The self-employed investor
Your tax returns show aggressive write-offs. DSCR ignores your personal income entirely — only the property's rent matters.
The STR investor
You're acquiring Airbnb or VRBO properties. We qualify on short-term rental income using AirDNA data or existing rental history.
The out-of-state buyer
You're investing in a market you don't live in. DSCR is property-income-based, so where you live doesn't affect your qualification.
100+ lenders. One team.
Your file goes to our full DSCR lender network — we surface the best rate and structure for your deal.
We move fast on conditions and communicate at every step so your deal doesn't slip.
Buy in your target market, not just where you live. We close investment deals across our full footprint.
No agency cap. Whether this is property #1 or #21, DSCR scales with your portfolio.
What investors ask us most.
What is a DSCR loan?
A DSCR loan (Debt Service Coverage Ratio loan) is an investment property mortgage that qualifies you based on the rental income of the property — not your personal W-2s or tax returns. Lenders divide the property's gross monthly rent by its total monthly debt payment (PITIA). A ratio of 1.0 means the property pays for itself; anything above 1.0 means positive cash flow.
What DSCR ratio do I need to qualify?
Most programs require a minimum DSCR of 1.0. Some lenders in our network allow ratios as low as 0.75 for borrowers with strong credit and larger down payments. We'll calculate your property's DSCR before you commit to anything.
Do DSCR loans require tax returns or W-2s?
No. DSCR loans underwrite on the rental income of the subject property. Your personal income documentation is not required. This makes DSCR ideal for self-employed investors, real estate professionals, and anyone with complex tax situations that make traditional qualification difficult.
Can I get a DSCR loan for a short-term rental like Airbnb or VRBO?
Yes. Many lenders in our network allow DSCR qualification using short-term rental income, supported by AirDNA market data or existing rental history from Airbnb and VRBO. Property eligibility and LTV may vary by market. We'll confirm what your specific property qualifies for.
What property types qualify for a DSCR loan?
Eligible property types include single-family residences (SFR), 2–4 unit properties, condominiums (warrantable and non-warrantable on select programs), and short-term rentals. We'll confirm eligibility based on your specific property and target market.
What credit score is required for a DSCR loan?
Most DSCR programs in our network require a minimum 620 credit score. Borrowers at 680+ typically qualify for better LTVs and pricing. We'll run your scenario across multiple lenders to find the best structure for your credit profile.
How many DSCR loans can I have?
Unlike conventional loans — which cap out at 10 financed properties — DSCR loans have no limit on the number of properties you can finance simultaneously. This makes them the go-to tool for active investors who have already maxed out their conventional loan count.
What states do you offer DSCR loans in?
We're licensed in 22 states including Arizona, Texas, Florida, California, Colorado, Georgia, Nevada, Minnesota, North Carolina, Tennessee, Washington, and more. Contact us to confirm availability in your target market.
How is DSCR calculated?
DSCR = Gross Monthly Rent ÷ Monthly PITIA (principal, interest, taxes, insurance, HOA). Example: a property renting for $2,400/month with a $1,800 PITIA has a DSCR of 1.33 — well above the 1.0 threshold. We'll run this calculation for your target property before you apply.
Guides from our team.
Buying · 6 min read
Can You Get a Mortgage If You're Self-Employed? Yes — Here's How
Self-employment doesn't disqualify you from a mortgage — it just changes how you qualify. Here are the paths, from conventional to non-QM.
Read guide →
Non-QM · 5 min read
Mortgages for ITIN and Foreign National Borrowers
No SSN or green card? ITIN and foreign national programs make U.S. homeownership and investing possible. Here's the overview.
Read guide →
Investing · 5 min read
What Is a DSCR Loan? How Investors Qualify on Rental Income
A DSCR loan qualifies investors on the property's cash flow, not their personal income. Here's how the ratio works and when to use one.
Read guide →
Run the numbers on your next deal.
Tell us the property address and target rent — we'll calculate your DSCR and show you what programs you qualify for.
Program availability varies by state, property, and borrower qualification. Not a commitment to lend. All loans subject to credit approval. NMLS #2381991.