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Overview
DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors. Unlike traditional mortgages requiring extensive income documentation, DSCR loans qualify borrowers based on the property's cash flow — whether rental income can cover the mortgage payment.
This makes DSCR loans ideal for self-employed individuals and investors who may have difficulty documenting traditional income but have strong investment properties generating rental income. We connect you with lenders offering competitive products and help prepare your application to maximize approval odds.
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 refinancing existing investment properties
Closings in 21–45 days; pre-qualification within 24–48 hours.
Rental-income property · credit score 620–660+ · 20–25% down payment · DSCR of 1.0 or higher · appraisal & rent schedule · 6–12 months reserves.
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