DSCR Rental Property Loans
How DSCR Works
A DSCR loan qualifies you based on the property’s rental income — not your personal income. The lender compares the monthly rental income to the total monthly mortgage payment (PITI: principal, interest, taxes, and insurance).
If the property generates enough income to cover the payment, you may qualify — even if your tax returns show low or inconsistent income.
Most programs look for a DSCR of 1.00 or higher, meaning the property breaks even or produces positive cash flow.
Cash-Flow Based Approval
Qualify based on the rental income of the property, not your personal income or tax returns.
Grow Your Portfolio
Purchase new rental properties without impacting your personal debt-to-income ratio.
No W2 or Tax Return Required
Perfect for self-employed borrowers and investors with heavy write-offs.
Flexible Property Types
Single-family, 2–4 units, condos, and short-term or vacation rentals.
Program Highlights
Eligible Property Types
Single-family rentals, 2–4 unit properties, condos, and approved short-term or vacation rentals. Investment properties only.
Flexible Qualification
Competitive Loan Options
Minimum 620 credit score. No personal income, W2s, or tax returns required. Approval is based on the property’s rental income and DSCR.
Loan amounts from $100,000 up to $2,000,000 (based on program limits). Available for purchase and refinance.
So You’re Ready to Buy a Home?
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We offer DSCR rental loan programs designed for real estate investors purchasing long-term or short-term rental properties. Qualification is based on the property’s projected cash flow — not your personal income or tax returns.
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(949) 404-0054