Let the Property Qualify Itself
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors and focus on the property's income, not the borrower’s personal income. If the property cash-flows sufficiently to cover the loan, qualification is often simplified and income documentation minimized.
Highlights
No personal income or employment verification required
Loan qualification based on rental income of the property
DSCR ratio typically must be 1.0 or higher to qualify
Available for single-family and multi-unit investment properties
Flexible loan terms
Choose Your Path
FAQ
What is the Debt Service Coverage Ratio (DSCR)?
It compares a property's rental income to its monthly mortgage payment. A DSCR over 1.0 means the property earns more than it costs.
How is DSCR calculated?
Gross rental income ÷ PITIA (Principal, Interest, Taxes, Insurance, and HOA if applicable).
What’s the minimum DSCR to qualify?
Most lenders require 1.0 to 1.25, but some allow 0.75 with higher down payments or pricing adjustments. Subject to change.
Do I need tax returns or employment verification?
No, qualification is based on property income, not personal income.
Can I use short-term rental income (Airbnb, VRBO)?
Some lenders accept it if it’s documented with past history or projected market rents.
Can I buy multiple properties with DSCR loans?
Yes, they’re popular with portfolio investors and don’t count your personal DTI.
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Disclaimer: Information provided is for educational purposes only and is subject to change. All loan programs, interest rates, down payment requirements, and terms are subject to credit approval, underwriting guidelines, investor requirements, and may change without notice. Not all applicants will qualify. Restrictions may apply, including but not limited to geographic limitations, property type, and occupancy requirements.