Debt Service Coverage Ratio Loans

Fast, flexible financing — no personal income needed

What is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is designed for real estate investors who want to qualify based on the property’s income — not their personal income or tax returns.

In Simple Terms

  • We look at how much rent the property brings in

  • We compare that to the monthly loan payment

  • If the rent covers the payment (or more), you’re good to go

This is a smart solution for investors who:

  • Own multiple properties and want to avoid complicated tax paperwork

  • Write off expenses on taxes (which can lower reported income)

  • Want to scale a rental portfolio quickly without extra hurdles

Frequently Asked Questions

Do I need to live in the property?

No. DSCR loans are for non-owner occupied investment properties only.

What are the down payment requirements?

Minimum down payment requirements for experienced investors is 20%, but for first time investors, 30% is typically required.

What is the Interest Rate on a DSCR Loan?

Most lenders look for at least 660. A higher score usually means better rates. A larger down payment also helps lower your rate.