Loan Program
DSCR investor loans.
Who is a DSCR loan for?
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors who want to qualify based on a property's income rather than personal income. Qualification is driven by the property's ability to cover its mortgage payment, not your personal debt-to-income ratio.
- Real estate investors purchasing or refinancing rental properties
- Self-employed borrowers who prefer not to document traditional income
- Investors growing or scaling a rental portfolio
- Owners of long-term and short-term rental properties
- Borrowers with complex tax returns or significant write-offs
- Investors who want a streamlined approval process
Benefits of a DSCR loan
No personal income documentation
No tax returns, W-2s, or pay stubs required.
Qualification based on rental income
Approval focuses on the property's cash flow, not employment status.
Simplified underwriting
Fewer documents and a faster approval process than traditional investment loans.
Unlimited financed properties
Ideal for investors building or expanding a portfolio.
Short and long-term rentals
Including vacation rentals where permitted.
LLC and entity ownership allowed
Properties may be financed in a business entity.
Eligibility requirements
- A DSCR of 1.0 or higher (lower may be considered with pricing adjustments)
- Credit score typically 620 or higher
- Down payment of 20 to 25% on purchases; sufficient equity on refinances
- Eligible property types: single-family, condos, townhomes, 2 to 4 units, and short-term rentals
- Rental income documented by lease agreements or appraised market rent
- Generally 3 to 12 months of reserves
- Ownership in an individual name or an LLC
Ready to get started?
Get pre-approved in about a minute, or reach out and we'll walk you through your options.