DSCR Loans for Real Estate Investors

No Tax Returns, No Problem — Discover the Power of DSCR Loans

Perfect for self-employed investors and rental property owners.

What is a DSCR Loan and Why You Should Care?

DSCR stands for Debt Service Coverage Ratio. It’s a type of real estate investment loan that focuses on your property’s cash flow, not your personal income.

Unlike traditional loans that require pay stubs, tax returns, or W-2s, a DSCR loan is underwritten based on the rental income the property generates—or is expected to generate—compared to the monthly debt payments.

How It Works: Steps to Get a DSCR Loan

1. You provide information on the property you're buying or refinancing, including projected or actual rental income.

We calculate your Debt Service Coverage Ratio:

DSCR = Gross Rental Income ÷ Monthly Loan Payment

3. Skip the stacks of paperwork. We won’t ask for your tax returns, job history, or pay stubs.

4. We evaluate the deal based on the property’s numbers and your credit score. If the property cash flows, you're nearly there.

5. Once approved, funds are disbursed, and you're off to closing.

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FAQS

What’s a good DSCR ratio?

Lenders typically want a ratio of 1.1 or higher. The higher, the better.

Can I use a DSCR loan for a short-term rental like Airbnb?

Yes, many lenders accept short-term rental income, especially with a proven rental history or market data.

Can I use this loan for a cash-out refinance?

Absolutely. Many investors use DSCR loans to tap into equity and reinvest in new properties.