Loan programs · DSCR Investor
DSCR Investor Loans
Qualify based on the property’s rental income rather than personal income. Financing designed for real estate investors.
Takes about 2 minutes. A quick inquiry, not a loan application.
Who it's for
Often a fit for real estate investors building or growing a portfolio.
DSCR (debt service coverage ratio) loans evaluate the property’s ability to generate rental income that covers the mortgage payment, instead of focusing on your personal income.
Portfolio investors
Investors with multiple properties or complex finances can qualify without traditional employment verification.
Rental property buyers
Commonly used to purchase rental homes, multi-unit properties and other income-producing real estate.
Business-structured investors
A simplified documentation process can help investors who operate through different business structures.
The details
How DSCR loans work
Qualification is largely based on the property’s rental income compared to the mortgage payment. Lenders analyze the debt service coverage ratio to determine whether the rental income can cover the loan obligations.
Compared to many traditional loan programs, DSCR loans typically involve a simplified documentation process. Since the focus is on property income, investors often do not need to provide extensive personal income documentation such as tax returns or employment verification. Whether you are purchasing a long-term rental or refinancing an existing investment property, this program supports a wide range of investment strategies.
Buying a vacation home or a rental with a more traditional loan? See investment property loans.
Why investors choose DSCR
- Qualification based primarily on rental income
- No traditional income verification in many cases
- Simplified documentation process
- Supports growing an investment portfolio
How it works
One conversation. Many lenders. Your choice.
As a broker, we don’t have one loan to sell you. We compare programs across lenders and walk you through the trade-offs in plain language.
Tell us your goal
A short inquiry: what you want to do, and how to reach you.
We review your options
A licensed loan officer looks at programs across our lender network.
You choose
Compare the trade-offs side by side. No pressure to move forward.
We guide you to closing
Application, processing and underwriting, with one team keeping you updated.
What is a DSCR loan?
A loan for investment property where qualification is based mainly on the property’s rental income compared to the mortgage payment, rather than your personal income.
Do I need tax returns?
Often not. Because the focus is on property income, many DSCR programs do not require extensive personal income documentation.
What properties qualify?
Rental homes, multi-unit properties and other income-producing investment real estate, depending on the lender.
How much do I need for a down payment?
It depends on the program, the property and your situation. We’ll walk you through what each option requires.
How long does the mortgage process take?
It varies with the loan program and your application. Once we review your situation, a licensed loan officer will walk you through what to expect.
Compare programs
Explore other loan programs
Program availability, eligibility and guidelines vary by lender and may change without notice. All loans are subject to credit approval, underwriting guidelines and property eligibility. This is not a commitment to lend.
See what's possible for your next move.
Two minutes to tell us your goal. A licensed loan officer follows up personally.