WHAT IT IS
Qualify on the property, not the paperwork
A DSCR (Debt Service Coverage Ratio) loan looks at whether a property's rental income covers its mortgage payment — rather than your personal income and employment. For investors, that changes everything.
It's a favorite for scaling a rental portfolio without the documentation hurdles of traditional financing. If you're self-employed or have complex income, this can be the cleaner path.
DSCR loans are for non-owner-occupied investment properties; terms differ from owner-occupied financing.
A DSCR loan may be a great fit if you…
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Are a real estate investor
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Want to qualify on rental income, not pay stubs
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Are self-employed or have complex income
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Are growing a rental portfolio
Are buying non-owner-occupied property
Qualify on rents
The property's cash flow does the qualifying.
No personal income docs
Skip the pay stubs and tax returns.
WHY INVESTORS CHOOSE DSCR
The highlights
Portfolio-friendly
Designed for scaling rentals.
Often faster
A streamlined path for investors.
WHAT YOU'LL NEED
A typical starting checklist
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Subject property details & address
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Lease or market-rent information
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Entity documents (LLC) if applicable
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Reserve & down payment details
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Authorization to review your credit
Every file is different — I'll send you a personalized list so nothing slows you down.
HOW IT WORKS
From hello to keys
1
Quick consult
We talk through your goals and see if it fits.
2
Get pre-approved
Know your real budget before you shop.
3
Find your property
Line up the right investment and make your move.
4
Close with confidence
I guide you through underwriting to the finish line.
DSCR questions, answered
GOOD TO KNOW
What exactly is a DSCR loan?
It qualifies you based on whether the property's rental income covers the debt — the Debt Service Coverage Ratio — instead of your personal income.
Do I need tax returns or pay stubs?
Typically not — DSCR loans generally skip personal income documentation.
Can I borrow through an LLC?
Often yes. Many investors use an entity, and we'll structure it appropriately.
Can I use this for my primary home?
No — DSCR is for investment, non-owner-occupied properties.
Wondering if DSCR is right for you?
Let's spend 15 minutes on your numbers. No pressure, no obligation — just a clear answer and a plan.
DSCR loans are for non-owner-occupied investment properties and qualify based on property cash flow. Terms differ from owner-occupied financing. This is not a commitment to lend. All loans are subject to underwriting and credit approval; not all applicants qualify. All loans subject to approval. Equal Housing Lender.