Loan Program
DSCR Loans
Investor financing qualified by the property's rental income.
What is a DSCR Loan?
A Debt-Service Coverage Ratio (DSCR) loan is an investor product that qualifies the borrower based on the subject property's rental cash flow rather than personal income.
DSCR loans are commonly used by real estate investors building or scaling a rental portfolio.
Key benefits
- Qualify based on property cash flow rather than tax returns
- Available for single-family rentals, 2-4 units, and many short-term rental scenarios
- Title to LLC may be permitted
Who qualifies?
- Experienced or first-time real estate investors
- Properties that generate (or appraise to generate) sufficient rental income
Frequently asked questions
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