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Investment Property Loans

DSCR Loans for Real Estate Investors

Qualify based on rental income. No tax returns. No W-2s. This is the standard approach for investors with 1-50+ properties. Close in 18-25 days.

0.00-2.0+
DSCR Range
620-850
Credit Range
65-80%
LTV Range
$150K-$3.5M
Loan Range

What is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. It's a simple calculation that compares your property's rental income to its mortgage payment. Unlike traditional loans, DSCR loans don't require personal income verification.

Simple Formula

DSCR = Monthly Rent ÷ Monthly Payment (PITIA)

Example: $2,500 rent ÷ $2,000 payment = 1.25 DSCR

No Income Docs

No tax returns, W-2s, pay stubs, or employment verification required. Qualification is based solely on the property's cash flow.

Unlimited Properties

No limit on the number of properties you can finance. Scale your portfolio without hitting conventional loan limits.

DSCR Loan Programs

We offer multiple DSCR tiers to match your investment strategy and property profile.

DSCR Premier

Min DSCR:1.00+
Min FICO:720
Max LTV:80%
Max Loan:$3,500,000
Best rates
Full leverage
All property types

DSCR Plus

Min DSCR:0.75+
Min FICO:680
Max LTV:75%
Max Loan:$2,500,000
Competitive rates
Flexible terms
1-4 units

DSCR Standard

Min DSCR:0.00+
Min FICO:660
Max LTV:70%
Max Loan:$2,000,000
No ratio option
Interest only available
Short-term rentals

DSCR Investor

Min DSCR:No Ratio
Min FICO:620
Max LTV:65%
Max Loan:$1,500,000
No DSCR calc needed
Newer investors
Rehab properties

Frequently Asked Questions

Everything you need to know about DSCR loans.

DSCR Calculator

Calculate your property's debt service coverage ratio instantly

Lock your DSCR rate now. Most investors do.

Because DSCR loans qualify on rental income, not personal income, your rate depends on today's market. DSCR 0.75-2.0+ accepted. Credit 620+. 20-25% down.

Timeline
18-25 days

Locked at confirmation. No extensions needed.

No hard credit pull. No commitment until closing. Cancel anytime.

Rate locked. Timeline set. We take it from here.

Waiting means tracking rates daily, recalculating DSCR each week, and restarting if rates rise.

  • Rate protected
  • Timeline locked
  • Process handled
No credit pull. No commitment. Cancel anytime. That's handled.

Ready to Finance Your Investment Property?

Get your personalized DSCR loan quote in 60 seconds. No credit check required.

Need to Improve Your Credit First?

A higher credit score can help you get better rates on your investment property. Check out our free credit education resources.

Related Loan Programs

Investment Property Loans

Comprehensive financing options for single-family, multi-unit, and short-term rentals.

Bank Statement Loans

Self-employed investors can qualify using bank deposits instead of tax returns.

Foreign National Loans

International investors can finance US rental properties without SSN.

Investment Property Rate Information

DSCR loan rates are based on the property's debt service coverage ratio, credit score, loan-to-value, and property type. Rates shown are for illustrative purposes only. Your actual rate may be higher or lower based on your specific scenario.

Investment property loans are not available for owner-occupied properties. All loans subject to credit approval.

Licensed MLO approval required for all rate quotes and loan commitments.

Check your options

60 seconds. No credit pull.