DSCR Loans
Debt Service Coverage Ratio loans for real estate investors. Qualify based on the property's rental income, not your personal tax returns. Ideal for building your rental portfolio.
DSCR Loan Guidelines
Loan Parameters
- Min Loan Amount$75,000
- Max Loan Amount$3,000,000
- Loan Terms30 year fixed / ARM
- ARM Options5/1, 7/1, 10/1
- Max LTV (Purchase)75%
- Min DSCR Ratio0.75
Borrower Requirements
- Min Credit Score640
- Income DocumentationNone (property income only)
- Tax ReturnsNot required
- Entity VestingLLC / Corp OK
- Reserves Required3–6 months PITIA
Property Requirements
- Property TypesSFR, Condo, Townhome, 2-4 Unit
- OccupancyInvestment only (no owner-occupied)
- Lease RequiredOr market rent appraisal
- Short-Term Rental OKCase by case
Why Choose a DSCR Loan?
No Tax Returns
Qualify using the property's rental income – no personal income docs required.
Rental Income Qualifies
Leverage your property's cash flow to secure financing.
No Personal Income Verification
Ideal for self-employed investors or those with complex tax situations.
LLC & Entity Vesting
Hold the investment property in your business entity for liability protection.