DSCR Loans for Investment Real Estate
Debt Service Coverage Ratio (DSCR) loans let you qualify using the property's own rental income. Ideal for landlords, flippers transitioning to hold, and portfolio builders.
Qualification focus
- Rental income (DSCR ≥ 1.00x–1.25x typical)
- Credit is one factor; requirements vary by lender and program
- Experience: 0–2 years on select products
- Non-owner occupied only
Common terms
- 30-year fixed and interest-only options
- Maximum LTV varies by lender and program
- Loan amounts $75k – $2M+
- Rate based on DSCR, credit, and LTV
Property types
- Single family rentals
- 2–4 unit properties
- Condos & townhomes (warrantable)
- Short-term rentals (STR) on select programs
Why investors choose DSCR over traditional
Traditional bank loans require personal income documentation, tax returns, and debt-to-income ratios that often disqualify high-earning investors with complex finances.
DSCR programs ignore your W-2 and instead look at whether the rents cover the new payment. This opens the door for 1031 exchanges, self-employed investors, and pure portfolio growth.
We shop multiple wholesale DSCR lenders daily. Terms are indicative until full underwriting, but you see realistic ranges up front.
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