DSCR Investor Loans
Qualify on the property — not your paycheck.
Qualify on the property's rental income, not your personal tax returns or pay stubs. DSCR (Debt Service Coverage Ratio) loans are the go-to program for real estate investors who are self-employed, own multiple financed properties, or simply don't want their W-2 or tax returns part of the underwriting file. The lender compares the property's monthly rental income (actual lease or market rent via appraisal) to its monthly housing payment (PITIA). A DSCR of 1.0 means rent exactly covers the payment; above 1.0 means it cash flows.
Sample Starting Rate
rates starting around 7.125%
APR: Request a personalized quote.
*Sample rate for a well-qualified borrower (740+ credit score, 75% LTV); your actual rate depends on credit, loan amount, property type, and documentation. Request a personalized quote.
Program Highlights
- No tax returns, no W-2s, no personal income verification
- DSCR as low as 0.75–1.00 accepted on many files (pricing adjusts accordingly); no ratio floor on strong-credit, lower-LTV deals
- Loan amounts available from under $150K up through multi-million-dollar jumbo investor properties
- LTVs up to roughly 80% on purchases, with refinance LTVs available as well
- Eligible on short-term rental / Airbnb income in many cases, using projected or market rent
- First-time investors and portfolio landlords both eligible
- Available for purchase, rate-and-term refinance, and cash-out refinance
- Close in an LLC or other business entity
- Minimum credit scores generally starting in the mid-600s, with better pricing at higher scores
Best For
- Investors buying or refinancing a rental property
- Self-employed investors who don't want tax returns in the file
- Portfolio landlords and first-time investors alike
What You'll Need to Qualify
- Minimum credit scores generally starting in the mid-600s
- LTVs up to roughly 80% on purchases
- Investment properties only (single-family, 2–4 units, condos, short-term rentals)
- DSCR as low as 0.75–1.00 accepted on many files
Guidelines vary by lender and borrower profile. All loans subject to underwriting approval. Not a commitment to lend.
Good to Know
because pricing is driven by a detailed grid (credit score, LTV, DSCR, loan amount, property type, and prepayment penalty structure all factor in), your actual rate and terms are quoted per file — get a personalized quote rather than relying on a published rate.
Common Questions
Do I need to show my personal income?
No — approval is based on the property's rental income, not your tax returns or employment.
Can I use this for my first rental property?
Yes, first-time investors are eligible; experienced landlords may qualify for even more favorable terms.
What if the property doesn't quite cash flow?
Loans with a DSCR below 1.0 are often still possible, typically with a rate adjustment — ask for a quote on your specific numbers.
Can I close in my LLC?
Yes, vesting in an LLC or corporate entity is standard for this program.