A DSCR loan — Debt Service Coverage Ratio — qualifies based on what the property earns in rent compared with what the mortgage costs. That makes it a practical tool for investors who own multiple properties, are self-employed, or simply want to keep personal income out of the file.
The lender looks at the rent the property earns or can earn, not your W-2s or tax returns.
Multiple properties
Investors building a portfolio can finance additional units without the conventional limit on financed properties.
LLC and entity vesting
Many DSCR programs allow the property to be held in an LLC or other entity.
Purchase or refinance
Use it to buy a new rental or to pull equity out of one you already own.
Step by step
How it runs, start to close
1
Tell us about the property
Where it is, what it rents for or can rent for, and whether you already own it.
2
We run the ratio
Rent divided by the full mortgage payment, including taxes and insurance. That number decides the terms.
3
Appraisal and rent schedule
A DSCR lender often orders a rent schedule alongside the appraisal to verify the income.
4
Closing
Title, insurance and closing handled, with the figures reviewed with you before signing day.
Is it the right fit?
The fifteen-minute call that settles it
A loan sized on the property's rental income instead of your personal income, built for investors buying or refinancing rental properties.
Whether it is the right program depends on your credit, your savings and the
property. We run it against the alternatives with your real numbers, and if another
program suits you better, we say so.
It is the property's monthly rental income divided by its full monthly payment, including principal, interest, taxes, insurance and any HOA. A ratio above a set threshold means the property covers its own debt.
Do I need to show my tax returns?
Usually not. The point of a DSCR loan is that qualification is based on the property, not personal income documentation.
Can I hold the property in an LLC?
Many DSCR programs allow entity vesting. Tell us how you want to hold title and we match the lender to it.
Is this only for experienced investors?
No. Some programs are available to first-time investors, though requirements may differ. We tell you which ones fit.
Can I use DSCR for a short-term rental?
Some lenders allow it, often with different ratio requirements. We ask about your rental strategy up front.
What kind of properties qualify?
Single-family, multi-unit, condos and townhomes used as investment properties. Owner-occupied homes do not qualify for DSCR.
Purchase · Refinance · Pre-approval
Know what you can borrow before you fall for a house
Start the secure application online, or call the office and talk it through first. Either way you get a real answer, not a range.
