DSCR loan

Use property potential to finance your investments

Get approved based on property cash flow, not your personal income, for streamlined investment financing

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Made for savvy real estate investors

DSCR (Debt Service Coverage Ratio) loans care about whether your property’s income can cover its mortgage payments, not your personal finances. These loans are ideal for experienced investors with one or more investment properties and self-employed individuals.

DSCR loan benefits

  • Property income qualifies for the loan not your personal earnings or tax returns
  • No employment verification making approval simpler for self-employed investors
  • Cash-out options available to access equity for additional investments
  • Higher leverage possibilities with loan-to-value ratios up to 80%
  • Various property types eligible including single-family, multi-family, and commercial
  • Close in LLC or corporation name to maintain separation between personal and business assets

Eligibility requirements

  • Property must generate sufficient income with a minimum DSCR ratio of 1.0 or higher
  • Minimum credit score typically 640 or above depending on loan specifics
  • Down payment of at least 20% with better terms for larger down payments
  • Cash reserves required usually 6-12 months of loan payments
  • Property must be non-owner occupied as an investment not a primary residence
  • Property must be in rentable condition meeting basic safety and livability standards