DSCR Loans
DSCR (Debt Service Coverage Ratio) loans let you qualify on a property's rental income instead of your personal income or tax returns. If the rent covers the debt, you can qualify — which is why investors use DSCR to scale past the limits of conventional financing.
Best for: Buy-and-hold investors building a rental portfolio.
- Qualify on property cash flow, not personal DTI
- Purchase, rate-and-term, or cash-out refinance
- Commonly up to ~85% LTV depending on DSCR and credit
- Close in an LLC or your personal name
- Long-term fixed and ARM options
