Get a FREE quote on a DSCR Loan
Instead of reviewing W-2s, pay stubs, or tax returns, lenders evaluate whether the property's rental income can cover the monthly mortgage payment. This calculation - called the Debt Service Coverage Ratio - helps determine if the property is financially self-sustaining. If the rent covers (or exceeds) the debt, the investor can often qualify without using any personal income.
This streamlined approval process makes DSCR loans ideal for investors who value speed, simplicity, and flexibility when acquiring or refinancing income-producing properties.
Why Investors Choose DSCR Loans DSCR loans are especially attractive to both new and experienced investors because they offer:
Flexible Qualification Options Investors with complex financials or multiple properties often find DSCR loans the simplest path to financing.
Real Estate Investors Investors can use rental income and cash flow reflected in their bank statements to qualify for additional property purchases, without needing traditional income documentation.
There are many benefits, including: financing available up to $2.5 million; the convenience of one loan for the entire loan amount instead of having multiple mortgages; competitive pricing and more.
Mortgage rates change every day, and your rate will vary based on your location, finances, and other factors. Get your FREE customized rate comparison below:
