Investing in real estate

DSCR loans, built around rental income.

Financing for rental properties where qualifying focuses mainly on the property's rental income compared to its monthly payment, rather than only your personal income.

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The Basics

What DSCR means

DSCR stands for debt service coverage ratio. It compares the rent a property brings in to the cost of owning it each month. Because the property carries much of the qualifying weight, DSCR loans can be a good fit for investors with several properties or income that is hard to document on a tax return.

A quick look at the math

Monthly rent ÷ monthly payment (principal, interest, taxes, insurance, and any HOA dues)

A ratio of 1.0 means the rent covers the payment. Higher means more cushion. Each program sets its own minimum, and we will tell you where a property stands.

Who it's for

Investors buying single-family or small multifamily rentals
Owners refinancing a rental they already hold
Investors with several properties
Self-employed investors with complex tax returns

What lenders typically review

Current lease or a market rent estimate
Property value and appraisal
Credit history
Down payment or equity in the property
Cash reserves

How It Works

From first call to closing.

Every deal is a little different. Here is the general path, and we will tailor it to you.

1
Share the property
Address, price or value, and expected rent.
2
Check the ratio
We estimate the DSCR and talk through how the deal looks.
3
Appraise and underwrite
The appraisal confirms value and market rent.
4
Close
Buy the rental or refinance it into long-term financing.

Good Questions

DSCR Rental questions.

Have a question that is not here? Ask us. No question is too basic.

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Do I need to show my personal income?

DSCR loans focus mainly on the property, so personal income documentation is often lighter than a traditional loan. Credit, reserves, and other factors still matter.

Can I use a DSCR loan for a short-term rental?

Some programs may consider short-term rental income, with their own guidelines. Ask us about your property.

Can I refinance a flip into a DSCR loan?

Yes, that is a common path for investors who decide to keep a renovated property as a rental.

Keep Exploring

Related programs.

I'm renovating a property to resellFix-and-Flip LoansLearn more I need to move before other funds are readyBridge LoansLearn more I want to refinance my homeHome RefinanceLearn more

All loans are subject to credit approval, underwriting, and property review. Program availability, terms, and requirements vary and can change. This page is general information, not a commitment to lend. We will explain the requirements for any program before you apply.

Questions about DSCR rental loans?

Tell us what you are working on, and we will walk you through whether this program may fit.

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