Qualify on property cash flow, not personal income.
Debt Service Coverage Ratio loans for investors and self-employed borrowers who want to leverage rental income instead of tax returns.
DSCR loans look at one number: does the property pay for itself? If the rental income covers — or nearly covers — the mortgage, insurance, taxes, and association fees, the deal can move forward without the mountain of personal income documentation traditional lenders require.
- DSCR ratios as low as 0.75 accepted.
- Up to 80% LTV on purchase and rate/term refinance.
- Up to 75% LTV on cash-out refinance.
- No tax returns, W-2s, or pay stubs required.
- Interest-only options available to maximize cash flow.
- Close in personal name or LLC.
We use the property's cash flow, not your W-2 or tax returns. Perfect for self-employed borrowers and growing investors.
Use DSCR financing to acquire a new rental, refinance an existing property, or pull cash out to fund the next deal.
No Fannie Mae 10-property cap. Close in an LLC. Finance short-term rentals and long-term hold properties.
Good to know
DSCR is the property's monthly gross rental income divided by its total monthly payment (PITIA). A ratio of 1.0 means the rent exactly covers the payment. Many programs allow ratios as low as 0.75 with compensating factors.
No. DSCR loans are underwritten using the property's cash flow, not your personal income. This makes them ideal for self-employed borrowers and investors with complex returns.
Yes. We can qualify your property using market rents, long-term leases, or short-term rental history from platforms like Airbnb and VRBO.
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