DSCR Loan (Investor Mortgage)
"Let the property qualify itself."
No personal income documentation. The property's rental income qualifies the loan. Perfect for real estate investors who want to scale without income verification headaches.
20-25%
Min Down
620+
Min Credit
$3M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Real estate investor with rental properties
- Self-employed and prefer no income documentation
- Want to scale portfolio quickly without limits
- Property cash flows at 1.0+ DSCR
- Want LLC protection for asset separation
This Might NOT Be Right If...
- Purchasing a primary residence
- Property does not cash flow (negative DSCR)
- Less than 20% down payment available
- Need personal income on application
DSCR Loan (Investor Mortgage) Benefits
Everything you need to know about your benefits
No Tax Returns
Skip the income documentation entirely. No W-2s, no pay stubs, no tax returns needed.
No DTI Calculation
Your personal debts don't matter. Only the property's income counts.
Unlimited Properties
No cap on financed properties. Scale your portfolio as fast as you want.
LLC Friendly
Close in your LLC or personal name. Protect your assets with entity ownership.
Fast Closing
No income verification means faster underwriting and quicker closings.
Investor Focused
Designed by investors, for investors. We speak your language.
How It Works
Your path to homeownership in just a few simple steps
We Calculate the DSCR
Monthly rent divided by total monthly payment (principal, interest, taxes, insurance, HOA).
Property Qualifies Itself
If DSCR is 1.0 or higher, the property income covers the loan. You're qualified.
No Income Docs Needed
Skip tax returns, pay stubs, and DTI calculations. The property speaks for itself.
Close Quickly
Faster underwriting means faster closing. Get your investment property sooner.
We Calculate the DSCR
Monthly rent divided by total monthly payment (principal, interest, taxes, insurance, HOA).
Property Qualifies Itself
If DSCR is 1.0 or higher, the property income covers the loan. You're qualified.
No Income Docs Needed
Skip tax returns, pay stubs, and DTI calculations. The property speaks for itself.
Close Quickly
Faster underwriting means faster closing. Get your investment property sooner.
What is DSCR?
The Formula
DSCR = Monthly Rent ÷ Monthly Payment (PITIA)
PITIA = Principal + Interest + Taxes + Insurance + Association (HOA)
A DSCR of 1.0 means the rent exactly covers the payment.
Above 1.0 means positive cash flow — you qualify!
Example Calculation
Your DSCR
1.14
DSCR Qualification Thresholds
1.25+
Excellent
1.0-1.24
Qualified
0.75-0.99
Limited Options
Below 0.75
Does Not Qualify
DSCR Calculator
See if your investment property qualifies
Property Details
Your DSCR Results
DSCR Ratio
1.13
This calculator provides estimates only. Actual rates and terms may vary.
Eligible Property Types
DSCR loans work with most investment properties
DSCR Loan Requirements
| Requirement | Typical Standard(This loan) |
|---|---|
| Minimum DSCR | 1.0 (some allow 0.75) |
| Down Payment | 20-25% |
| Credit Score | 620+ |
| Property Types | 1-4 units, some 5-8 |
| Reserves Required | 3-6 months PITIA |
| Income Documentation | None required |
* Rates and terms subject to change. Contact us for current offers.
Frequently Asked Questions
Common questions about DSCR Loan (Investor Mortgage)
Last updated:
What is DSCR and how is it calculated?
DSCR (Debt Service Coverage Ratio) is calculated by dividing the property's monthly rental income by the total monthly payment (Principal, Interest, Taxes, Insurance, and Association fees). A DSCR of 1.0 or higher means the rent covers the payment, qualifying you for the loan.
Can I get a DSCR loan with no income verification?
Yes! That's the main benefit of DSCR loans. No tax returns, pay stubs, or W-2s are required. The property's rental income is the only income that matters for qualification.
What DSCR ratio do I need to qualify?
Most lenders require a minimum DSCR of 1.0, meaning the rent equals or exceeds the payment. Some lenders offer programs with DSCR as low as 0.75 for strong borrowers.
- Yes! DSCR loans are LLC-friendly. You can close in your personal name or an LLC for asset protection. This is a major advantage for real estate investors.
- No limit! Unlike conventional loans (often capped at 10 financed properties), DSCR loans have no property limit. Scale your portfolio as fast as you want.
- Single family rentals, 2-4 unit properties, warrantable condos, townhomes, and some lenders even allow 5-8 unit properties and short-term rentals like Airbnb.
Get Rate Drop Alerts
We'll notify you instantly when rates drop to your target.
See If Your Property Qualifies
Get pre-qualified in 15 minutes
Or call us directly: (757) 558-2603