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Debt Service Coverage Ratio loans for real estate investors. Qualification is based on the property's rental income rather than personal income, making it ideal for portfolio builders.
A DSCR loan is right for you if you are a real estate investor who wants to qualify based on the rental income of the property rather than your personal income. No tax returns or W-2s required, making it ideal for investors scaling their portfolios.
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Min Credit Score
640+
Min Down Payment
20%
Max LTV
80%
Max DTI
N/A (based on property DSCR, not personal DTI)
Loan Limits
Up to $5 million depending on program
PMI / MIP
No PMI; rate reflects investment property risk
Occupancy
Investment property only (non-owner-occupied)
We evaluate the investment property's rental income potential, calculate the DSCR ratio, and determine the optimal loan structure for your investment goals.
Submit your application with property details, rent rolls or lease agreements, and property financials. No personal tax returns or W-2s needed.
The underwriter reviews the property appraisal (including rent schedule), verifies rental income, and confirms the DSCR meets program requirements.
Sign closing documents, fund your down payment, and begin collecting rental income on your new investment property.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
Short-term asset-based financing for real estate investors. Ideal for fix-and-flip projects, bridge loans, short-term rentals, and ground-up construction with fast funding.
Financing for building a new home from the ground up or major renovations. Features progressive disbursements during construction with interest-only payments, converting to a permanent mortgage upon completion.
Flexible mortgage solutions for borrowers who do not meet traditional lending criteria. Includes bank statement loans, P&L loans, and ITIN loans for self-employed and non-traditional income earners.
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
Apply online in minutes or call us to speak with a loan advisor about your DSCR options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.