DSCR Loans For Real Estate Investors
Looking to purchase or refinance a rental property, fast?
DSCR loans allow you to qualify based on property cash flow - not income verification, pay stubs, W-2s & tax returns!
How DSCR Loans Work
Rental income is the only qualifying factor
• No personal income documentation
• Property performance drives approval
If the property cash flows, the financing works.
What Is DSCR?
DSCR measures whether a property’s rent can cover its mortgage.
DSCR = Monthly Rent ÷ Monthly Mortgage (PITI)
Most lenders prefer ratios above 1.15, meaning the property generates more income than it costs.
Why Investors Use DSCR Loans
No W-2s, tax returns, or employment verification
Unlimited number of financed properties
LLC and entity ownership allowed
Projected rents accepted
Faster closings than traditional loans
What to Know Before You Apply
Rates are typically higher than conventional loans
Prepayment penalties may apply
Vacancy impacts cash flow
Strong management matters
These loans reward performance—not guesswork.
Want to see real DSCR scenarios?
Download our DSCR Loans 101 Guide with purchase, refinance, and portfolio examples.
