No personal income calculation
Qualification centers on the subject property's cash flow.
Mortgage programs
Qualify on the property's cash flow
A DSCR loan measures the debt service coverage ratio — property rental income divided by the property's debt obligation — instead of relying on personal income documentation.
Often a fit for
- Self-employed investors
- Investors with complex tax returns
- Buyers expanding a rental portfolio
How it works
What matters with dscr loans
Entity vesting
Many DSCR programs allow title to be held in an LLC.
Portfolio scalability
Often fewer restrictions on the number of financed properties.
Worth knowing
Considerations before you commit
- Pricing and down payment requirements typically exceed conventional investor financing.
- A ratio below 1.00 means the property does not cover its own debt service at the assumed rent.
- Prepayment penalties are common on DSCR products.
Run the numbers
Model a full monthly payment, compare extra payments against investing, and explore what a program looks like in your actual scenario.
Related programs
Frequently asked questions
Next step
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