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)?
How is DSCR calculated?
What’s the minimum DSCR to qualify?
Do I need tax returns or employment verification?
Can I use short-term rental income (Airbnb, VRBO)?
Can I buy multiple properties with DSCR loans?
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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.