Specialty

Investor & DSCR Loans

DSCR loans let real-estate investors qualify based on a property's rental income rather than personal income, ideal for scaling a portfolio.

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Who it's best for

  • Real-estate investors
  • Buyers growing a rental portfolio
  • Borrowers with complex personal income

At a glance

Qualifies on
Property cash flow (DSCR)
Property types
Rentals & second homes
Personal income
Often not required to verify

Eligibility Snapshot

The numbers that matter for a investor & dscr loans

General guidelines. Your exact terms depend on your full profile. We confirm current figures for your scenario before you rely on any of them.

Qualifies on
Property cash flow (DSCR), not personal income
Target DSCR
Often 1.0–1.25+ (rent covers the payment)
Down payment
Commonly 20–25% for investment properties
Credit score
Typically 660–680+, program-dependent
Reserves
Usually several months of payments per property
Property types
Long-term rentals, some short-term and 2–4 units

How It Works

Your investor & dscr loans, step by step

  1. 1

    Run the DSCR

    We estimate market rent versus the payment to see how the property qualifies.

  2. 2

    Pre-approval

    We confirm credit, down payment, and reserves. No tax returns needed for the income side.

  3. 3

    Make the offer

    You bid knowing the financing hinges on the property's numbers, not your W-2.

  4. 4

    Appraisal + rent schedule

    The appraisal includes a market-rent analysis (Form 1007) that drives the DSCR.

  5. 5

    Underwriting to clear-to-close

    Underwriting focuses on the property and your reserves; we clear conditions.

  6. 6

    Closing

    You close and add the property to your portfolio.

Be A Sharp Borrower

What to ask any lender about this loan

Good questions get you better answers, and a better loan. Bring these to any conversation, including ours.

  • What DSCR does this property need to hit, and does market rent support it?

  • How much down payment and reserves will each property require?

  • Can I close in an LLC, and does that change the terms?

  • Is there a prepayment penalty, and how long does it last?

Common Questions

Investor & DSCR Loans FAQs

What is a DSCR loan?
A Debt-Service Coverage Ratio loan qualifies based on whether the property's rent covers its mortgage payment, rather than on your personal income or tax returns.
How is DSCR calculated?
DSCR divides the property's monthly rental income by its total monthly payment (principal, interest, taxes, insurance, and any HOA). A ratio of 1.0 means rent exactly covers the payment; many programs want 1.0–1.25 or higher.
Do I need to provide tax returns or pay stubs?
Generally no. DSCR loans are designed so you do not have to document personal income, which is why they suit investors with complex or write-off-heavy returns.
Can I finance multiple investment properties?
Yes. DSCR financing is built for investors building or scaling a rental portfolio, and there is typically no limit on the number of financed properties.
How much down payment do I need for a DSCR loan?
Investment financing typically requires 20–25% down, plus reserves. We outline the exact numbers for your scenario up front.
Can I close a DSCR loan in an LLC?
Often yes. Many DSCR programs allow you to vest title in an LLC, which is a common request from investors. We confirm what your specific program allows.

Other programs

Purchase

Conventional Loans

The flexible standard for buyers with steady income and solid credit.

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Purchase

FHA Loans

Lower down payments and more flexible credit guidelines, backed by the FHA.

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Purchase

VA Loans

Zero-down financing earned by veterans, active-duty service members, and spouses.

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Let’s find the loan that fits your situation.

Apply online in minutes, or call and talk it through.

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