DSCR Loans

Grow your real estate portfolio without qualifying based on personal income. DSCR loans are designed for investors who want financing based on the cash flow of the property.

A Debt Service Coverage Ratio loan focuses on rental income generated by the property instead of traditional employment or tax return documentation.

Why Choose a DSCR Loan

• No personal income verification required.
• Ideal for real estate investors.
• Finance long-term or short-term rental properties.
• Close in personal name or LLC in many cases.
• Flexible options for expanding your portfolio.

How DSCR Loans Work

• Qualification is based on rental income versus monthly housing expense.
• Lenders calculate the debt service coverage ratio.
• Higher ratios may unlock better pricing.
• Available for purchase, refinance, or cash-out transactions.