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DSCR Loans

Investment property financing based on property cash flow. No personal income docs required.

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What is DSCR?

Debt Service Coverage Ratio (DSCR) compares the property's rental income to its mortgage payment. A DSCR of 1.0 means the rent exactly covers the payment. Higher is better — it means positive cash flow.

Example calculation

Monthly rent$2,500
Monthly payment (PITI)$2,000
DSCR1.25 ✓

No Personal Income Required

Qualify based on the property's rental income, not your W-2s or tax returns. Perfect for investors.

Scale Your Portfolio

No limit on number of properties. Each property is qualified independently based on its DSCR.

Entity Ownership OK

Close in LLC, corporation, or trust name. Protect your personal assets while building wealth.

Fast Closings

Close in as fast as 14 days. Our AI analyzes property cash flow instantly.

Basic Requirements

  • Minimum 1.0 DSCR (property income covers payment)
  • Minimum 660 credit score
  • 20-25% down payment
  • Investment property only
  • Appraisal with rent schedule

Rates and terms vary by credit score, DSCR, and property type.

Check Your Rate

Try our DSCR Calculator

See if your investment property qualifies before you apply.

Calculate DSCR

Frequently asked questions

Have another question? Contact us

No. We use a soft credit pull for pre-approval, which does not impact your credit score. A hard pull only happens when you officially apply for the loan after finding a property.
Bank statement loans qualify you based on your actual bank deposits over 12-24 months instead of tax returns. This is ideal for self-employed borrowers whose tax returns may understate their real income.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than your personal income. If the property's income covers the mortgage payment, you can qualify — great for real estate investors.
Our AI-powered platform automates document analysis, underwriting checks, and compliance reviews that traditionally take weeks. We've eliminated the back-and-forth that slows down traditional lenders.
Absolutely. While our technology handles the heavy lifting, a licensed loan officer is always available to answer questions, explain options, or step in whenever you need human guidance.
For bank statement loans, typically 10-20% depending on credit score and loan amount. For DSCR investment properties, typically 20-25%. We'll show you exact requirements during pre-approval.