DSCR loans for investors
DSCR programs qualify investment properties based on rental cash flow rather than personal income — an approach built around how an investment property actually performs.
Informational only. Not an offer of credit or a commitment to lend. All financing is subject to eligibility, underwriting, and verification.
DSCR Estimator
Estimate a property's debt service coverage ratio
Current DSCR
1.22
Qualify on the property's performance
Income-light documentation
These programs focus on property cash flow rather than personal income.
Investor focused
Designed around the economics of a rental property.
Portfolio friendly
Often used by investors financing more than one property.
Property types
Single-family, small multi-unit, and certain rentals may be eligible.
Built around your portfolio
DSCR programs center on how a property performs, which can make them a natural fit for investors whose personal tax picture does not reflect their full financial strength.
- Qualification centers on property cash flow
- Often suited to self-employed investors
- Single-family and multi-unit properties may be eligible
- Certain short-term rentals may be considered
- Financing in an entity or LLC name may be available
- Structured around the property's performance
DSCR Formula
PITIA = Principal + Interest + Taxes + Insurance + Association. Tiers are illustrative and vary by program and underwriting.
DSCR loan questions
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