Loan Program
DSCR Loans
Qualify on the property's cash flow — not your personal income.
Overview
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the rental income the property produces, with no personal tax returns or W-2s required.
Key Benefits
- No personal income documentation
- Unlimited financed properties (most programs)
- LLC closing available
- Cash-out refinance options
- Short-term rental income often accepted
Qualification Highlights
- DSCR typically 1.0–1.25+ (some programs accept <1.0)
- FICO 660+
- Down payment 20–25%
- Reserves: 3–6 months PITIA
- Investment property only
Frequently Asked Questions
DSCR = rental income / PITIA. A ratio of 1.0 means rent equals payment.
Questions about DSCR Loans?
A licensed loan officer will walk you through your options — no obligation.