DSCR Loans for Investment Properties
Finance your investment property based on rental income, not personal income. Our DSCR loan program is designed specifically for real estate investors who want straightforward qualification.
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property's ability to generate enough rental income to cover the mortgage payment. Unlike traditional loans, there is no need for personal income documentation like tax returns or W-2 forms.
This makes DSCR loans ideal for self-employed investors, those with complex tax situations, or anyone who prefers a streamlined process focused on the investment property itself.
Key Features
- Qualify based on rental income, not personal income
- No tax returns, W-2s, or pay stubs required
- Finance multiple investment properties
- Available for single-family and small multifamily
- Purchase and refinance options available
- Flexible prepayment penalty structures
- Available for LLCs and business entities
- Competitive loan-to-value ratios
Ready to Get Started?
Submit your application online and a loan officer will reach out within one business day to discuss your DSCR loan options.