DSCR Rental Loans

The property qualifies. Not your W-2.

Finance rental deals using the income the deal produces.

DSCR loans help investors qualify on rent, PITIA, LTV, and reserves instead of tax returns, employment history, or personal debt-to-income caps. Run the math first, then submit the file when the deal has a shot.

Run the DSCR Calculator Review DSCR Requirements Apply for a DSCR Loan
No W-2 underwriting Rental income focused Purchase or refinance
1.00+Common minimum DSCR threshold
1.25+Often preferred for stronger pricing
Up to 80%Representative purchase LTV
30-yearFixed and interest-only options may be available

What is a DSCR loan?

A DSCR loan is a non-QM investor loan where the property's rental income is used to support the debt payment. Instead of asking whether your tax return looks perfect, the lender asks whether the rental property can carry itself.

Formula
DSCR = Rent ÷ PITIA

PITIA means principal, interest, taxes, insurance, and association dues when applicable. A 1.00 DSCR means rent covers the payment. A higher DSCR gives the file more breathing room.

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No personal income docs

Useful for investors, self-employed borrowers, and high-income earners with complicated tax returns.

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No personal DTI cap

Scale rental holdings without every deal being constrained by your W-2 debt-to-income ratio.

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Property-first underwriting

Rent, appraisal, reserves, credit, LTV, and property type drive the conversation.

Where DSCR loans fit best.

DSCR financing is built for rental investors who care about the deal's income profile and want to keep buying without conventional mortgage friction.

Long-Term Rentals

Traditional rental properties

Single-family rentals, 2-4 unit properties, and small residential portfolios where market rent supports the payment.

Run the numbers
Short-Term Rentals

Airbnb and vacation rentals

Some programs can consider actual STR history or market-based projections, depending on the property and lender.

Submit the deal
Portfolio Growth

Scaling beyond conventional limits

Use property-income underwriting when you want the next rental without making your personal income file the bottleneck.

Learn the strategy

Representative DSCR loan terms.

Terms vary by lender, credit profile, property type, DSCR, loan purpose, reserves, and market conditions. Use this as a screening guide before you apply, or review the full DSCR loan requirements checklist.

Purchase or rate-term refinance

Loan amount$100K-$2M+
Purchase LTVUp to 80%
Minimum creditOften 660+
Income docsNot required
StructuresFixed, ARM, IO options

Cash-out refinance

Common max LTVOften up to 75%
ReservesOften required
AppraisalRequired
Title seasoningProgram-dependent
Best useRecycle equity into the next deal

Before you apply, get the file clean.

The faster path is not "submit everything and hope." The faster path is knowing the numbers before the lender sees them.

Step 1

Calculate DSCR

Check rent, PITIA, LTV, down payment, cash to close, reserves, and whether the deal is likely to clear lender thresholds.

Step 2

Fix weak points

Adjust purchase price, loan structure, interest-only options, rent assumptions, or down payment before you send the file.

Step 3

Submit with context

Send the property, borrower profile, loan purpose, and calculated DSCR so the underwriting conversation starts sharper.

Ready to let the property do the talking?

Start with the calculator if you are still screening. Apply when the numbers are ready and the deal deserves a lender conversation.

Calculate DSCR Review Requirements Apply Now