DSCR Loans for Investment Properties

Qualify based on your property's rental income — not your personal income. No tax returns, no W-2s, no pay stubs.

No income verification — skip the tax return hassle
Finance single-family, multi-unit, or short-term rentals
Close in as little as 21 days

How DSCR Works

Monthly Rent ÷ Monthly Payment = DSCR

Example: $3,000 rent ÷ $2,500 payment = 1.20 DSCR ✓

No credit impact Free, no obligationNMLS #2787839

Get Your DSCR Loan Rate

Tell us about the property — no tax returns needed.

Step 2 of 6

No credit impactFree, no obligation

CA DRE #01212512 · NMLS #2787839

DSCR Loan Requirements

DSCR ratio of 1.0 or higher (down to 0.75 with 30%+ down)
Investment property — not owner-occupied
Credit score of 660 or higher
20-25% down payment
Property must be rent-ready or currently rented
No income verification or tax returns required

DSCR below 1.0? We have options down to 0.75 with a larger down payment. Call 888-421-1117 to discuss.

Understanding DSCR

DSCR (Debt Service Coverage Ratio) measures whether your rental property's income covers the mortgage payment. A DSCR of 1.0 means the rent exactly covers the payment. Higher is better — most lenders want at least 1.0.

1.25+

Strong — best rates

1.0

Break-even — qualifies

0.75

Below — needs 30%+ down

Frequently Asked Questions

Grow your portfolio — skip the paperwork

Get approved for a DSCR loan based on your property's cash flow, not your tax returns.

Get Your DSCR RateDSCR Calculator