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DSCR Loans

Built for real estate investors — qualify investment properties on rental cash flow rather than personal income.

DSCR

Income = property

Investors

Built for portfolios

No DTI

Personal income optional

Scale

Grow your holdings

Overview

What it is

DSCR stands for Debt-Service Coverage Ratio. These loans qualify the property based on whether its rental income covers the mortgage payment, rather than relying on your personal income documentation.

A DSCR of 1.0 means rent equals the payment; higher ratios indicate stronger cash flow.

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Typical requirements

  • An investment (non-owner-occupied) property
  • Rental income that supports the debt-service coverage ratio
  • A down payment consistent with investor programs
  • A solid credit profile and reserves

Potential benefits

  • Qualify on property cash flow, not personal income
  • Streamlined documentation for investors
  • Finance multiple properties over time
  • Available for short- and long-term rentals
FAQ

Common questions

What DSCR do I need?
Many programs look for a ratio at or above 1.0, though some allow lower with compensating factors. We’ll review your scenario.
Can I use this for short-term rentals?
Often yes — some DSCR programs consider short-term rental income. Guidelines vary by program.
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