Qualify on your property's rental income — not your personal income. No tax returns, no W-2s, no hassle.
DSCR loans are designed for real estate investors who own or are purchasing income-producing properties. Qualification is based on the property's ability to cover the loan payment.
Debt Service Coverage Ratio — it measures whether the rental income covers the mortgage payment. A DSCR of 1.0 means break-even; above 1.0 means the property cash-flows positive.
No — that's the key advantage. We qualify the loan based on the property's rental income, not your W-2s or tax returns. Ideal for investors with complex income or multiple properties.
Most lenders require a DSCR of 0.75 or higher, though 1.0+ gets you the best rates. Some programs allow DSCR as low as 0.0 for strong borrowers.
Both options exist. Some lenders use the appraiser's market rent schedule; others use an active lease. We'll find the lender whose approach works best for your property.
DSCR lenders typically allow 10–20+ financed properties. No Fannie/Freddie limits apply. Great for scaling a portfolio.
No credit pull, no obligation — get your pre-qualification in 24 hours.
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