DSCR Loans
Scale your rental portfolio without personal income verification. Qualification is based on the property's cash flow.
How DSCR Loans Work
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Instead of looking at your tax returns, W-2s, or personal debt-to-income ratio, lenders evaluate whether the property's rental income covers the monthly debt obligations (PITIA).
No Personal Income Verification
Ideal for self-employed investors or those who have maxed out their conventional loan limits.
Portfolio Scalability
Because qualification is asset-based, there is typically no limit to the number of properties you can finance.
Program Highlights
- Leverage: Up to 80% LTV for purchases and rate/term refinances
- Cash-Out: Cash-out refinances available (typically up to 75% LTV)
- Terms: 30-year fixed, ARMs, and Interest-Only options
- Entities: Close in an LLC or corporate entity
- Property Types: SFR, 2-4 units, and sometimes small multifamily or commercial
Run Your Numbers
Not sure if your property will cash flow enough to qualify? Use our free DSCR calculator to determine your Debt Service Coverage Ratio instantly.
Ready to Talk Strategy?
We help you structure the right DSCR capital stack to scale your rental portfolio.