Loan Product
DSCR Loans for cash-flowing rentals
Buy-and-hold rentals that qualify on the property’s cash flow, not your personal income.
What it is
DSCR Loans, in plain terms.
A DSCR (Debt-Service Coverage Ratio) loan qualifies on the property's rental income rather than your personal income or tax returns. If the rent covers the debt service, the deal can work — which makes it a natural fit for investors scaling a rental portfolio without conventional income documentation.
Every DSCR file is brokered through our multi-state lender network and reviewed by a principal personally. Availability and terms vary by state — a principal structures the right fit and confirms exact terms.
FAQ
Straight answers.
What DSCR do I need to qualify?
Programs generally look for the property's income to cover its debt service — often somewhere around a 1.0–1.25× ratio depending on leverage and property type. Lower ratios can still be structured. A principal confirms exact terms for your file.
Do you check my personal income?
DSCR loans are underwritten primarily on the property's cash flow, so personal income and tax returns are typically not the deciding factor. Credit and reserves still matter, and a principal reviews the full picture.
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Related financing.
Twelve products across investment real estate. If a different structure fits your deal better, a principal will say so.
Get In Touch
Ready to see terms on your dscr deal?
Submit your deal for a soft, no-obligation review. A principal reads every file personally and responds with preliminary terms within one business day.