No W2s. No tax returns. No personal income verification. If the property cash flows, you can qualify. Built for real estate investors who want to grow their portfolio — fast.
DSCR stands for Debt Service Coverage Ratio. It measures whether a property generates enough rental income to cover its mortgage payments. Lenders look at the property — not you.
This means no W2s, no tax returns, no employment verification. Ideal for self-employed investors, those with complex tax returns, or anyone with multiple properties who can't qualify traditionally.
Flexible terms built for real estate investors scaling their portfolio.
DSCR loans are designed for real estate investors — not owner-occupants.
Anyone purchasing or refinancing a non-owner-occupied rental property.
Complex tax returns? Write-offs reducing income? DSCR doesn't look at your personal income at all.
Already have multiple conventional loans? DSCR has no limit on how many financed properties you own.
Many DSCR lenders allow you to take title in an LLC or other business entity for asset protection.
Airbnb and VRBO income can be used. We source lenders that accept STR income for DSCR qualification.
Pull equity out of existing rentals to fund your next acquisition — all based on property cash flow.
See why investors choose DSCR loans for rental properties.
| Feature | DSCR Loan | Conventional |
|---|---|---|
| Personal income verification | Not required | W2s + tax returns |
| Self-employed friendly | Yes | Limited |
| LLC / entity title | Allowed | Rarely |
| Max financed properties | Unlimited | 10 max (Fannie/Freddie) |
| Short-term rental income | Many lenders accept | Rarely |
| Qualification basis | Property cash flow | Personal DTI |
A DSCR of 1.25 or higher is generally considered strong and will qualify for the best rates. A DSCR of .75 means break-even — you can still qualify, but rates may be higher. Some lenders offer "no-ratio" DSCR loans below 1.0 with higher down payments.
Yes. If the property is vacant or new construction, most lenders will use a market rent analysis from the appraisal report to determine the projected rent income for DSCR calculation.
Many DSCR lenders allow borrowers to take title in an LLC or other business entity. This is a major advantage for investors seeking asset protection. Let us know when you apply and we'll match you with LLC-friendly lenders.
Most DSCR lenders require a minimum 620 credit score. The best rates are typically available at 700+. A higher score combined with a strong DSCR ratio can significantly reduce your rate.
Yes — a growing number of DSCR lenders accept Airbnb and VRBO income. We have access to lenders who use AirDNA data or 12-month STR income history to calculate the DSCR for short-term rental properties.
Get a DSCR rate quote in minutes. No income docs. No credit pull.