Flexible qualifying (Non-QM)
Debt Service Coverage Ratio (DSCR) Loans
An investor loan that qualifies on the property's rental income instead of your personal income. DSCR stands for debt service coverage ratio.
Who it's for
- Investors buying or refinancing rental properties
- Self-employed investors whose tax returns understate their income
- Investors who want to scale a portfolio
Requirements at a glance
PropertyInvestment property only.
QualifyingBased on the property's rental income, not your personal income.
Down paymentTypically higher than owner-occupied loans.
DocumentsFewer personal income documents. Credit and assets are still reviewed.
General information only. Eligibility, terms, and requirements vary by lender and borrower, and not everyone will qualify. This is not a commitment to lend.
How it works
Four steps. Zero guesswork.
1
Tell me your goals
A short, no-pressure conversation about what you want and your numbers.
2
I compare lenders
I look across lenders to find the best DSCR loan option for your situation.
3
You apply, I run the file
One application. I manage the file and keep you updated.
4
Close with confidence
You know what to expect at every step, all the way to the keys.
Questions
Good to know.
Usually not in the same way. The focus is on whether the property's rent can support the loan, though lenders still look at credit and assets.
Yes. DSCR loans can be used to buy or refinance, including cash-out in many cases.
Typically a lease or an appraiser's market rent estimate. I'll tell you what your lender will use.
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Let's get started
Ready to see what you qualify for?
It takes five minutes and a soft credit check. No obligation, no pressure, just a clear picture of your options.