We qualify the property. Not you.
DSCR loans for real estate investors. If the rent covers the mortgage, you qualify — no tax returns, no W-2s, no DTI calculation.
The DSCR Advantage
No Personal Income Docs
No tax returns, W-2s, or pay stubs. Qualification is based on the property's rental income (Debt Service Coverage Ratio).
Maximize Cash Flow
Competitive rates and interest-only options available to keep your monthly payment low and cash flow high.
Scale Your Portfolio
Each deal stands on its own. Own 2 properties or 20 — your personal DTI doesn't cap your growth.
One equation decides if you qualify
Monthly Rent
The property's expected or actual rental income.
÷ Monthly Mortgage
Principal, interest, taxes, and insurance on the new loan.
= DSCR ≥ 1.0
If rent covers the payment, you qualify. That's it.
DSCR Loan FAQs
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It's a loan designed for real estate investors where qualification is based on the property's rental income rather than your personal income. No tax returns or W-2s needed.
Does a DSCR loan require tax returns?
No. DSCR loans are "no-doc" for personal income. We focus on the rental income the property generates rather than your personal employment history or tax filings.
Can I use a DSCR loan for my primary residence?
No. DSCR loans are specifically for investment properties (rental properties) that generate income.
What is the minimum DSCR ratio?
Most lenders look for a DSCR of 1.0 or higher (meaning the rent covers the mortgage payment), but we have options for various ratios depending on your goals.
How does the DSCR equation work?
Monthly Rent ÷ Monthly Mortgage Payment = DSCR. If that number is 1.0 or higher, the property typically qualifies on its own cash flow — regardless of your personal income or tax situation.
Does your property pay for itself?
Find out in 5 minutes. No hard credit pull. We compare the best lenders for your DSCR rate.
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