DSCR Loans for Real Estate Investors

Qualify Based on Property Cash Flow — Not Personal Income

No W-2s. No tax returns. Just your rental income.

Whether you’re a seasoned investor or buying your first rental property, a DSCR (Debt Service Coverage Ratio) loan is the fastest, easiest way to get financed. Skip the paperwork and qualify using the property’s income — not your own.

Get matched with an experienced real estate-savvy lender in 60 seconds. No credit impact. Fast closings..

🚀 Why Choose a DSCR Loan?

Built for investors. Designed to help you scale faster, with fewer barriers.

✅ No personal income documentation required
✅ Qualify with rental income only
✅ Close in an LLC or personal name
✅ Perfect for short-term rentals (Airbnb, VRBO)
✅ 30-year fixed or interest-only options
✅ Loans up to $5 million

Common Example: An investor with four existing properties was denied by a traditional lender due to loan limits. By switching to a DSCR loan, they were able to close on their fifth property in under two weeks — without income docs or DTI limitations.

📈 How DSCR Loans Work

DSCR Formula: Net Operating Income / Mortgage Payment

If your rental income covers the loan payment (typically DSCR >= 1.0), you can qualify — even if you have complex or low reported income.

Example: $2,000 monthly rent / $1,600 mortgage payment = 1.25 DSCR ✅

Most lenders look for:

640+ credit score
20–25% down payment
6+ months of reserves

✅ Who DSCR Loans Are Perfect For

Self-employed investors or freelancers
Airbnb or short-term rental hosts
BRRRR strategy investors (Buy, Rehab, Rent, Refi, Repeat)
Investors scaling beyond 5+ properties
First-time buyers with capital but no W-2

Common Example: An investor with substantial home equity but no W-2 income was able to use projected rental income to qualify for a DSCR loan. By submitting a rent estimate from the appraiser, they secured financing and closed within three weeks.

DSCR Loan FAQs

Do I need tax returns or pay stubs?

No. These loans are based on the property’s income, not your employment.

Can I use an LLC?

Yes. DSCR loans work great for entity-based ownership.

What types of properties qualify?

1–4 unit residential properties, including short-term rentals.

How fast can I close?

As fast as 10–21 days in many cases.

What is the minimum credit score?

Most lenders require a 640+ FICO score.

Get Pre-Qualified Today

Take 60 seconds to see your loan options.

Fill out the short form below to get connected with investor-friendly lenders. No hard credit pull. No income docs.

Start My DSCR Loan Application

Secure. Fast. Designed for real estate investors like you.

🛠️ Want to Run the Numbers First?

Use our free DSCR Loan Calculator to estimate your DSCR and see if your property qualifies.