📊 DSCR Loan Program

Let Your Property's Cash Flow
Do the Qualifying.

No W-2s. No tax returns. No personal income verification. DSCR loans qualify based on the rental income your property generates — making them the go-to tool for real estate investors who want to scale.

📅 Run My DSCR Numbers 📞 844-786-1865

1.0+Min DSCR Ratio

$0Income Docs Needed

180+Wholesale Lenders

LLCClosings Available

What Is a DSCR Loan?

Qualify on Rental Income,
Not Your Tax Return.

DSCR stands for Debt Service Coverage Ratio — a formula that compares a property's rental income to its monthly debt obligations. Instead of looking at your personal income, a DSCR lender asks one simple question: does this property pay for itself?

If the monthly rent equals or exceeds the monthly mortgage payment (PITIA — Principal, Interest, Taxes, Insurance, and Association dues), you generally qualify. It's that straightforward.

As an independent broker with 180+ wholesale lenders, I have access to DSCR programs with some of the most competitive rates and flexible guidelines in the market — including options for borrowers with DSCRs below 1.0, short-term rentals (Airbnb/VRBO), and closings in LLC or business name.

The DSCR Formula

Numerator Monthly Gross Rental Income

Denominator Monthly PITIA Payment

PITIA = Principal + Interest + Taxes + Insurance + Association Dues

≥ 1.0 Property qualifies ✓

< 1.0 Some lenders still OK

Key Benefits

Built for Real Estate Investors

📄No Income Docs RequiredNo W-2s, pay stubs, or personal tax returns. Qualification is based entirely on the property's rental income — perfect for investors with complex tax situations.

🏢Close in LLC or Business NameProtect your assets. DSCR loans can close in the name of your LLC or business entity — something most conventional loans don't allow.

🔄Scale Your PortfolioNo limit on the number of financed properties in many cases. DSCR loans are designed to help investors grow — not hit a wall after 4 or 10 properties.

🏠Short-Term Rentals OKMany DSCR programs accept Airbnb and VRBO income using market rent data or historical performance. Vacation rental investors are welcome.

⚡Faster ClosingsWithout the need to verify personal income, employment, and tax history, DSCR loans often close faster than conventional investment property loans.

💼Self-Employed FriendlyIf your tax returns show minimal income due to write-offs, DSCR sidesteps the problem entirely. The property's cash flow is all that matters.

Who Is It For?

DSCR Loans Are Built For Investors Like You

If you own or want to own rental properties, a DSCR loan is likely the most efficient financing tool available to you.

📊

Buy-and-Hold InvestorsBuilding a long-term rental portfolio? DSCR loans let you keep acquiring properties without your personal income becoming the bottleneck.

🏖️

Short-Term Rental OwnersOwn or want to own an Airbnb or VRBO property? Many DSCR programs use market rent or historical STR income to qualify — no W-2 required.

💼

Self-Employed InvestorsWrite off everything on your taxes? DSCR doesn't care. It looks at the property's income — not what your Schedule C shows after deductions.

🏗️

Portfolio Builders Hitting LimitsHit the conventional loan limit of 10 financed properties? DSCR lenders typically have no such cap — keep building without hitting a wall.

Qualification Requirements

What You Need to Qualify

DSCR requirements are focused on the property — not your personal finances.

✓

DSCR Ratio ≥ 1.0Monthly rent must cover the full PITIA payment. Some lenders accept ratios below 1.0 with compensating factors like strong credit or larger down payment.

✓

Credit Score 620+Most DSCR lenders require a minimum 620 credit score. Higher scores unlock better rates and lower down payment requirements.

✓

20–25% Down PaymentTypical down payment is 20–25% for investment properties. Some programs allow lower down payments with stronger DSCR or credit.

✓

Investment Property OnlyDSCR loans are for non-owner-occupied investment properties. Single-family, multi-family (2–4 units), condos, and some STR properties qualify.

✓

Market Rent AppraisalAn appraisal that includes a market rent analysis (Form 1007) is required to document the subject property's rental income potential.

✓

Reserves RequiredMost DSCR lenders require 3–6 months of PITIA in liquid reserves after closing to demonstrate financial stability.

DSCR Calculator

Does Your Property Qualify?

Enter your property details to instantly calculate your DSCR ratio and estimated monthly payment.

Purchase Price$350K

$50K$2M

Down Payment %25%

20%40%

Interest Rate7.5%

5%13%

Monthly Gross Rent$2,500

$500$10K

Est. Taxes + Insurance$400

$100$2K

Your DSCR Ratio 1.24 ✅ Property qualifies — rental income exceeds PITIA payment.

Monthly Rent$2,500

P&I Payment$1,621

Taxes + Insurance$400

Total PITIA$2,021

Loan Amount$262,500

Down Payment$87,500

Want exact numbers for your property?

I'll run a full DSCR analysis and find your best rate 📅 Run My Full DSCR Analysis

Common Questions

DSCR Loan FAQs

What if my DSCR is below 1.0?+

Some lenders will still approve loans with a DSCR below 1.0 — as low as 0.75 in some cases — if you have strong compensating factors like excellent credit, a larger down payment, or significant reserves. I have access to lenders with flexible DSCR minimums, so even a sub-1.0 property may be financeable.

Can I use a DSCR loan for an Airbnb or short-term rental?+

Yes — many DSCR lenders accept short-term rental income. They typically use either the market long-term rent from the appraisal or the trailing 12-month STR income from platforms like Airbnb. I work with lenders who specialize in STR properties and understand how to underwrite them properly.

Can I close a DSCR loan in my LLC?+

Yes — this is one of the biggest advantages of DSCR over conventional investment loans. Many DSCR lenders allow you to take title in the name of your LLC or other business entity, which provides liability protection for your personal assets. I'll make sure the lender we select supports your preferred entity structure.

How is DSCR different from a conventional investment property loan?+

Conventional investment loans verify your personal income, employment, and tax returns — and count all your existing mortgage payments against your DTI. DSCR loans skip all of that. They look only at the subject property's cash flow. This makes DSCR far more scalable for active investors who own multiple properties or have complex income structures.

Are DSCR rates higher than conventional rates?+

Generally yes — DSCR rates are typically 0.5–1.5% higher than conventional investment property rates because they're non-QM (non-qualified mortgage) products that carry slightly more lender risk. However, as a wholesale broker I can access DSCR rates that are significantly better than what retail lenders offer — often closing the gap substantially.

How many DSCR loans can I have at once?+

Most DSCR lenders have no hard cap on the number of properties you can finance — unlike conventional loans which limit you to 10 financed properties. Some lenders do have portfolio limits, but I work with multiple DSCR lenders so we can spread your portfolio across programs as needed to keep you growing.

Ready to Scale Your
Investment Portfolio?

Let's run your property's numbers and find the best DSCR program across 180+ lenders. No income docs, no hassle — just smart financing built for investors.

📅Schedule a Free Call 📞844-786-1865 📧[email protected]

📅 Run My DSCR Analysis Free

This page is for informational purposes only and does not constitute financial, legal, or investment advice. DSCR loan products, rates, and eligibility requirements vary by lender and are subject to change. Calculator results are estimates only and do not guarantee loan approval. Please consult a licensed mortgage professional for personalized guidance. Optimized Home Loans powered by Barrett Financial Group, L.L.C. | NMLS #181106 | Equal Housing Lender. Peter Seroter NMLS #997692.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!