Let the property qualify itself.

DSCR loans for real estate investors. Qualify based on rental income, not personal tax returns. No W-2s, no pay stubs, no income limits.

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Investment property purchase or refinance
Property generates or will generate rent

Is this loan right for you?

A DSCR loan, or Debt Service Coverage Ratio loan, is an investment property mortgage that qualifies based on the rental income of the property rather than the borrower's personal income. Instead of submitting tax returns or pay stubs, the lender evaluates whether the property generates enough rent to cover the mortgage payment. This makes DSCR loans ideal for real estate investors who have strong properties but complex personal income.

  • Direct access to your officer
  • Investment property purchase or refinance
  • Property generates or will generate rent
  • Qualify on rent, not personal income
  • Credit score 620 or higher
  • Twenty percent down payment or more
  • First-time landlords or experienced investors

Key benefits.

Qualify based on property rental income, not personal tax returns or W-2s

No personal income verification required in most cases

Available for single family, 2-4 unit, and short-term rental properties

Cash-out refinance available to access equity and fund additional acquisitions

Loan amounts up to $3 million depending on property and borrower profile

Tradeoffs to understand.

  • Higher down payment required, typically 20% to 25% of the purchase price
  • Higher interest rates than conventional owner-occupied loans
  • DSCR ratio of 1.0 or higher typically required, meaning rent must cover the full mortgage payment
  • Short-term rental income may be evaluated differently depending on lender guidelines
  • Not available for owner-occupied properties, investment use only

Compare your options.

FeatureDSCRBank Statement
Qualification basisProperty rental incomePersonal bank deposits
Best forReal estate investorsSelf-employed borrowers
Down paymentTypically 20-25%Typically 10-20%
Personal income requiredNoYes via statements
Property typesInvestment onlyPrimary, second, investment
Credit score620+ typical620+ typical
Loan amountsUp to $3 millionUp to $3 million

Qualification basis

DSCR
Property rental income
Bank Statement
Personal bank deposits

Best for

DSCR
Real estate investors
Bank Statement
Self-employed borrowers

Down payment

DSCR
Typically 20-25%
Bank Statement
Typically 10-20%

Personal income required

DSCR
No
Bank Statement
Yes via statements

Property types

DSCR
Investment only
Bank Statement
Primary, second, investment

Credit score

DSCR
620+ typical
Bank Statement
620+ typical

Loan amounts

DSCR
Up to $3 million
Bank Statement
Up to $3 million

What happens next

1

As the property appreciates, a DSCR cash-out refinance can free up equity for your next acquisition.

2

If your personal income documentation improves, a conventional investment property loan may offer better rates.

3

Pair DSCR financing with a bank statement loan strategy if you are self-employed and building a rental portfolio.

4

Talk to your loan officer about portfolio financing options as your property count grows.

Keep exploring

Explore related paths

All home loan options

Compare purchase programs and find the path that fits your situation.

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Loan type questions

Plain answers on how conventional, FHA, VA, and other programs compare.

Browse loan FAQ →

Common questions, plain answers.

DSCR stands for Debt Service Coverage Ratio. It is calculated by dividing the monthly rental income by the monthly mortgage payment including principal, interest, taxes, insurance, and HOA if applicable. A ratio of 1.0 means the rent exactly covers the payment. Most lenders require 1.0 or higher.

Questions about rates or payment?

Ready to grow your portfolio? Check your investor loan options.

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