DSCR Loans
DSCR loans are one of the most popular financing options for real estate investors, and for good reason. These loans are designed to qualify you based on the property’s income — not your personal income. Instead of digging through tax returns, W-2s, or complicated write-offs, lenders focus on one simple question: Does the rental income cover the mortgage payment?
​
If you’re buying or refinancing a long-term rental, short-term rental, or building an investment portfolio, DSCR loans offer a flexible, investor-friendly solution that keeps things straightforward.
Great fit for:
-
Investors with strong cash-flowing properties
-
Self-employed borrowers with heavy write-offs
-
Short-term rental (Airbnb / VRBO) owners
-
Investors scaling multiple properties
​
See if your property is eligible for DSCR financing:
Who can use the DSCR Loan? The DSCR Loan is designed for both first time and seasoned investors. You do not need to own any real estate to get started on your investing journey.
Can I close in my business name? The DSCR Loan is designed for both first time and seasoned investors. You do not need to own any real estate to get started on your investing journey.
What sort of documents do I need to provide? The DSCR Loan is designed for both first time and seasoned investors. You do not need to own any real estate to get started on your investing journey.
Do I need to show income to qualify? No personal income documentation is required. Qualification is based on the property’s rental income.
Can I use a DSCR loan for Airbnb or short-term rentals? Yes. Many DSCR programs allow short-term rentals using market rent or rental data.
How many properties can I finance with DSCR loans? There’s often no hard limit, making DSCR loans ideal for portfolio investors.