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DSCR Investor Loans

Qualify on the property's rental income, not your tax returns.

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Who it's for

  • Investors buying or refinancing rental property
  • Self-employed buyers who want to qualify on rents, not tax returns
  • Landlords scaling a small portfolio
  • Anyone tired of personal DTI blocking a solid rental deal

Key benefits

Qualify on the rent

DSCR looks at whether the property's income can support the payment, not your W-2 math.

Built for investors

These loans are designed around rentals, not your primary home.

A clear underwriting story

I'll explain the ratio, reserves and down payment in plain English before you make an offer.

Typical requirements

  • A property that can produce rental income
  • A down payment and reserves typical for investor loans
  • Credit that meets the investor program's guidelines
  • An entity or personal vesting structure we'll plan together
  • Exact terms vary. Let's review your situation.

Questions about DSCR Investor Loans

What does DSCR mean?

Debt service coverage ratio. In short: does the rent cover the housing payment well enough for the program?

Do you need my tax returns?

Many DSCR programs focus on the property, not personal tax returns. I'll confirm the overlay for the loan we choose.

Can I use DSCR on a vacant property?

Sometimes, using market rent. It depends on the program. Send me the address and we'll look at it.

Related programs

Fix & Flip Loans

Fast short-term financing to buy, renovate and resell.

Learn more →

Conventional Loans

Competitive rates and as little as 3% down for qualified buyers.

Learn more →

Ready to see what you qualify for?

Book a free 15-minute call. No pressure, no obligation.

Book My Free CallCall or Text 407-575-4428