A DSCR Loan is designed for real estate investors who want to qualify for a mortgage based on rental income, not personal income. This program allows borrowers to build or scale their investment portfolio without providing tax returns, pay stubs, or W-2s.
Instead of verifying personal income, lenders approve the loan based on how much rental income the property generates.
If the rent covers the mortgage payment, you may qualify.
Ideal for new or experienced investors purchasing or refinancing rental properties. Great for building long-term passive income.
Because no tax returns are needed, DSCR loans offer faster approvals, simplified underwriting, and easier qualification.
Eligible for long-term rentals, short-term rentals (Airbnb/VRBO), and multi-unit properties.
Down payment options typically start at 20% down, with flexibility based on property type and DSCR ratio.
Minimum credit score generally starts around 620–660, depending on the DSCR program.
Most programs require the property’s rental income to be equal to or greater than the mortgage payment (1.0+ DSCR), though some offer options below 1.0 with compensating factors.
No personal income documents required, no tax returns, W-2s, or pay stubs.
Typical minimum down payment is 20%, with options at 25% or 30% depending on credit and property type.
Investing based on cash-flowing properties?
See how a DSCR Loan can support your investment goals, request your custom quote today.
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