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DSCR Loans

Invest in rental property on your terms

Secure financing using your rental property’s cash flow. DSCR loans finance short and long-term rentals for a range of property types, without requiring personal income information.

Start here to get qualified

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Rental property financed with DSCR loan

How it works

We help you understand whether a DSCR loan is the right option for your investment.
Share a few details with us to learn if a DSCR loan is right for you.
We’ll connect you with the perfect lender to see if you qualify.
Close your loan and finance your rental property affordably.

How a DSCR loan helps you finance rental properties

When real estate investors buy rental property, they count on earning rental income from the property. The new income then covers the cost of paying down the purchase loan.

But it's difficult to initially secure traditional financing for the property when approval requires proof of income that you haven’t yet earned from a future rental.

This presents a unique challenge that requires tailored financing. For scenarios like this, a Debt Service Coverage Ratio (DSCR) loan can be secured based on the value of a property and the rental income it can earn, rather than your current income.

Connect with the perfect lender to explore your options and see what you qualify for.

Rental properties financed with DSCR loans

The top benefits of DSCR loans

Based on potential rent

Approval is based on measuring potential earning power of rental properties

Financing that fits

Flexibility makes financing available and affordable for many scenarios

More investment options

Higher loan limits and more eligible property types help build your portfolio

Maximize your rental property investments with the right financing

DSCR loans help full-time investors and self-employed rental home buyers who often can’t qualify using tax returns. Essentially, a DSCR loan works for properties that earn enough rental income to cover their monthly mortgage payments. This is calculated using the Debt Service Coverage Ratio. DSCR loans offer financing for short and long-term rental properties with higher loan limits. Whether you’re financing a vacation home, a property you’ll rent to tenants full time, or multiple different properties, a DSCR loan applies to single-family homes and properties with 1-4 rental units.

  • Approval based on property cash flow
  • No W2s or tax returns required
  • Can finance various property types
  • For long and short-term rentals
  • Purchase and refi options available
  • Lenient down payment requirements
  • Simple, straightforward underwriting

DSCR loan FAQs

How do I qualify for a DSCR loan?

You don’t need to provide standard proof of income to qualify for a DSCR loan. Instead you’ll find the best chance for approval if you have a credit score of 640 or higher, can make a down payment of 20-25%, and meet your lender’s DSCR requirement. Some lenders require a DSCR of up to 1.5, which means the property would ear 150% of the home’s monthly mortgage payment.

How does a DSCR loan differ from standard investment property loans?
How is the Debt Service Coverage Ratio calculated?
What is an acceptable DSCR?
What costs are required to close a DSCR loan?

Get a DSCR loan from one of our premium lenders

  • Approval based on property cash flow
  • Flexible qualification requirements
  • Purchase and refi options available
  • Straightforward underwriting
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See if you qualify for a DSCR loan

When you’re ready to invest in rental property, a DSCR loan provides financing that fits your specific investment needs. Tell us about your situation and you’ll be on your way to securing the perfect loan.