DSCR Loans
DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are purpose-built for real estate investors. Instead of qualifying based on your personal income, the loan is underwritten based on the rental income the property generates relative to its monthly debt obligations. If the property cash flows, you can qualify — regardless of how many properties you own or how complex your tax returns are.
How DSCR Is Calculated
DSCR = Monthly Rental Income ÷ Monthly PITIA
A DSCR of 1.0 means the property breaks even. Above 1.0 means positive cash flow. Many programs allow ratios as low as 0.75.
Program Highlights
No Personal Income Required
Qualification is based on the rental income the property generates, not your personal tax returns or W-2s.
DSCR as Low as 0.75
Flexible DSCR thresholds — some programs allow ratios below 1.0 with compensating factors.
Unlimited Properties
No limit on the number of financed properties — ideal for growing a rental portfolio.
Short-Term Rentals OK
Airbnb and VRBO income may be used to qualify using market rent or actual rental history.
Loan Amounts Up to $3M+
Finance single-family, 2–4 unit, and small multifamily investment properties.
LLC Vesting Allowed
Take title in an LLC or other entity for asset protection and tax planning purposes.
Eligible Property Types
- Single-family residences (SFR)
- 2–4 unit residential properties
- Condos and townhomes
- Short-term rentals (Airbnb / VRBO)
- Small multifamily (5–8 units on select programs)
- Non-warrantable condos
Grow Your Rental Portfolio
Whether you're buying your first rental or your fifteenth, a DSCR loan can help you scale without the limitations of traditional financing.
Ready to Get Started?
Let our family help yours. Call us at 561-207-8082 or apply online today.