DSCR Loans: Qualify on
Rental Income, Not Yours
DSCR (Debt Service Coverage Ratio) loans are the go-to financing tool for serious real estate investors. No W-2s. No tax returns. No DTI calculations. You qualify based entirely on the property's rental income versus the mortgage payment. Scale your portfolio without limits.
Calculate Your DSCR Ratio
The DSCR ratio is the single most important number in investor lending. Enter your estimated rent and mortgage payment to see whether the property qualifies — before you make an offer.
DSCR Investor Tool
The Investor Formula
DSCR = Monthly Rent ÷ PITIA
Projected DSCR Ratio
Strong cash flow — excellent loan terms available
Program Details
Why Investors Choose DSCR Loans
Conventional loans cap you at 10 financed properties and require full income documentation every time. DSCR loans have no property limit, no personal income requirement, and close faster. For investors scaling a rental portfolio, there's simply no better tool.
No Income Verification
No W-2s, no tax returns, no pay stubs. The property's rent qualifies you.
No DTI Calculations
Your personal debt-to-income ratio is irrelevant. Only the property's cash flow matters.
Unlimited Properties
Unlike conventional loans capped at 10, DSCR lets you finance as many properties as you want.
LLC Vesting
Hold the property in your LLC or other entity for asset protection — no problem.
Short-Term Rentals
Airbnb and VRBO income accepted. Use market rent analysis or actual rental history.
Fast Closings
Without the income documentation requirements, DSCR loans typically close in 14–21 days.
DSCR Loan FAQs
What is a DSCR loan?
A DSCR loan qualifies you based on the rental property's income versus the mortgage payment. DSCR = Monthly Rent ÷ Monthly PITIA. A ratio of 1.0 means rent exactly covers the payment. Most programs require 1.0+, though some go as low as 0.75 with higher down payment.
What DSCR ratio do I need?
Most programs require a minimum 1.0 DSCR. A ratio of 1.25+ qualifies for the best rates and terms. Some lenders offer programs down to 0.75 with a 25–30% down payment.
Can I use a DSCR loan for an Airbnb?
Yes. Short-term rental income is accepted on most DSCR programs, either using a market rent analysis or actual rental history from Airbnb/VRBO data. Some lenders use AirDNA market data to establish qualifying rent.
Can my LLC take out a DSCR loan?
Yes. DSCR loans commonly allow LLC and entity vesting (S-Corp, C-Corp, trust). You can close the loan in your entity name for liability protection.
How many DSCR loans can I have?
There is no limit. DSCR loans don't count against the Fannie Mae/Freddie Mac 10-property cap. Investors with 20, 30, or 50+ properties regularly use DSCR financing to continue scaling.