DSCR (Debt Service Coverage Ratio) loans allow investors to qualify for a mortgage based on the property's cash flow rather than their personal income. If the rental income covers the mortgage payment, you can typically qualify.

Do I need personal income verification for a DSCR loan?

No. DSCR loans do not require W-2s, tax returns, or proof of personal income. Lenders look solely at the property's ability to generate income and your credit score.

What properties are eligible for DSCR loans?

Eligible properties include single-family homes and multi-unit properties (duplexes, triplexes, fourplexes). The property must be an income-producing investment, not a primary residence.

Is there a limit to how many properties I can finance?

Unlike conventional loans which often cap borrowers at 10 financed properties, our DSCR program allows for an unlimited number of financed properties, making it ideal for investors looking to scale their portfolios.

DSCR Loans for Investment Properties

DSCR Loans for Real Estate Investors

Invest in property without using personal income to qualify

If you're a real estate investor looking for flexible financing, a DSCR loan—also known as an Investor Cash Flow Loan—could be the perfect fit. This non-QM loan option allows you to qualify for a mortgage based on the income your investment property generates, rather than your personal income, tax returns, or W-2s.

What Is a DSCR Loan?

DSCR stands for Debt Service Coverage Ratio. This ratio is used by lenders to determine whether a property’s rental income is sufficient to cover the monthly mortgage payment. In short: if the property pays for itself, you may qualify—regardless of your personal finances.

This makes DSCR loans an ideal solution for:

Self-employed investors
Borrowers with complex income situations
Investors looking to expand their real estate portfolio without hitting loan limits

How It Works

Instead of reviewing your personal income, we look at the property’s cash flow. The DSCR ratio compares the property's gross rental income to its monthly debt obligations. The higher the ratio, the more confident a lender is in your ability to repay the loan using rental income.

In addition to a strong DSCR ratio, you may also need:

A minimum credit score (requirements vary by lender)
A down payment
A property that meets income-generating criteria

Why Choose a DSCR Loan?

No personal income documentation required

Unlimited number of financed properties

Great for first-time and experienced investors

Fast, streamlined approval process

Whether you’re just getting started in real estate or you’re a seasoned investor looking to scale, DSCR loans offer the flexibility to finance multiple properties without the typical income verification hurdles.

Property Eligibility

DSCR loans are designed exclusively for income-producing investment properties, including:

Single-family homes
Multi-unit properties (e.g., duplexes, triplexes, fourplexes)

It's important to note that the property must generate enough rental income to cover its mortgage payments.

Ready to invest smarter?
Contact our team today to learn more about how a DSCR loan can help you grow your real estate portfolio—on your terms.