Debt Service Coverage Ratio loans designed for real estate investors. Qualify based on property income, not personal tax returns. Scale your rental portfolio without the limits of traditional financing.
20% +
Investment property purchases require at least 20% down.
620+
Higher scores unlock better DSCR rates and terms.
Not Required
DSCR investment loans do not require PMI or MI.
Overview
DSCR stands for Debt Service Coverage Ratio. It is a loan program built specifically for real estate investors. Instead of qualifying based on your personal income, tax returns, or W-2s, the lender evaluates the property's rental income against its debt obligations.
If the property generates enough cash flow to cover the mortgage payment, you qualify. This makes DSCR loans ideal for investors scaling a portfolio, self-employed borrowers with complex returns, or anyone who wants to remove personal income from the qualification equation.
Qualify based on the property's cash flow, not your tax returns or W-2. Perfect for investors scaling fast.
DSCR loans typically do not count toward your conventional loan limit, so you can build a portfolio without caps.
Streamlined docs mean closings in 2–3 weeks, keeping you competitive in hot rental markets.
Airbnb, VRBO, and long-term lease properties all qualify with the right DSCR ratio.
ELIGIBILITY
✓ Minimum DSCR ratio typically 1.0–1.25 (varies by program)
✓ Property must generate sufficient rental income to cover debt service
✓ Minimum credit score usually 620+
✓ Down payment starts at 20% for purchases
✓ Cash-out refinances available on existing investment properties
Paperwork
DSCR loans require fewer personal docs than traditional financing, but you’ll still need property and investment paperwork ready for underwriting.
Get pre-approved and see what rate you qualify for. No obligation, no hard credit pull until you're ready.
