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Business Funding

DSCR Loans

Overview

DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors. Unlike traditional mortgages that require extensive income documentation, DSCR loans qualify borrowers based on the property’s cash flow—specifically, whether the rental income can cover the mortgage payment.

This makes DSCR loans ideal for self-employed individuals, business owners, and investors who may have difficulty documenting traditional income but have strong investment properties generating rental income.

We connect you with lenders offering competitive DSCR loan products and help you prepare your application to maximize approval chances and secure the best possible terms.

Who Is This For?

  • Real estate investors purchasing rental properties
  • Self-employed individuals who can't easily document income
  • Business owners with complex tax situations
  • Investors building a portfolio of income-producing properties
  • Those looking to refinance existing investment properties

Requirements & Checklist

  • Investment property with rental income (or projected rental income)
  • Minimum credit score of 620-660 (varies by lender)
  • Down payment of 20-25% for purchases
  • Property must have DSCR of 1.0 or higher (rent covers mortgage)
  • Appraisal and rent schedule
  • Reserves (typically 6-12 months)

Typical Timeline

DSCR loans typically close in 21-45 days from application to funding. Pre-qualification can be completed within 24-48 hours.