Get a no-cost quote on DSCR loans with no personal income verification required.
A Debt Service Coverage Ratio (DSCR) loan is an investment property mortgage that qualifies you based on the rental income generated by the property rather than your personal income. This makes DSCR loans ideal for real estate investors who have complex income situations, are self-employed, or want to expand their portfolio without traditional W-2 and tax return verification.
The DSCR is calculated by dividing the property’s monthly rental income by its monthly debt obligations including principal, interest, taxes, insurance, and HOA fees. A DSCR of 1.0 means the property’s income exactly covers its expenses, while a DSCR above 1.0 indicates positive cash flow. Many lenders accept DSCR ratios from 0.75 to 1.25 or higher, with terms varying based on the ratio.
Our DSCR loan specialists understand real estate investment financing and will help you structure loans based on property performance rather than personal income documentation, allowing you to build your portfolio more efficiently.
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