Flexible DSCR Loans for Real Estate Investors

Discover how DSCR loans help investors qualify based on rental income—not tax returns. Simplify financing with flexible, fast approvals.

What Is a DSCR Loan?

A DSCR loan, short for debt service coverage ratio loan, is designed for real estate investors. Rather than using personal income or tax returns, DSCR loans qualify borrowers based on the income generated by the rental property itself.

This makes them ideal for self-employed borrowers, landlords, and real estate investors looking to scale portfolios quickly. We work with top DSCR lenders to deliver financing that aligns with your investment goals.

Why Choose a DSCR Loan for Rental Property?

  • No W-2s or tax returns required
  • Loan approval based on property cash flow
  • Perfect for investors with multiple rental properties
  • Faster closings with simplified underwriting
  • Available for short-term and long-term rentals
  • Options for purchase, refinance, and cash-out

DSCR Loan Requirements & Qualifications

To qualify for a DSCR mortgage, lenders calculate the debt service coverage ratio—which compares rental income to mortgage expenses. Most DSCR loan programs require a DSCR of 1.0 or higher, meaning the property covers its expenses through rent alone.

Typical DSCR loan qualifications include:

  • DSCR ratio of 1.0 or higher
  • Minimum credit score of 620 (varies by lender)
  • Property must generate verifiable rental income
  • 20–25% down payment for most DSCR rental loans
DSCR loan for investment property

Get Pre-Approved for a DSCR Loan Today

Whether you're buying your next investment property or refinancing to access equity, a DSCR loan gives you flexibility without the red tape. We’ll match you with the best DSCR lenders for your portfolio.

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Frequently Asked Questions About DSCR Loans

What does DSCR mean?

DSCR stands for Debt Service Coverage Ratio. It measures the property's ability to cover mortgage payments using rental income.

What are common DSCR loan terms?

Most DSCR loans offer 30-year fixed or interest-only terms. Loan amounts and rates vary depending on credit score, property type, and DSCR ratio.

Are DSCR loans available for short-term rentals?

Yes. Many DSCR lenders allow Airbnb or VRBO properties if income can be documented through rental history or projected rent reports.

Learn More About DSCR Lending

Explore trusted industry resources to better understand DSCR lending:

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