DSCR Loans

Let the property qualify.

DSCR loans qualify based on a property's rental income rather than your personal income or tax returns — popular for both purchasing a new investment property and refinancing one you already own, including cash-out refinances.

Ready to run the numbers on a rental property?

Is this you?

A common fit if you’re …

A real estate investor

DSCR loans qualify based on the subject property's rental income rather than your personal income or tax returns.

Growing a multi-property portfolio

Because personal income and DTI aren't the focus, DSCR loans can help investors scale without hitting traditional income limits.

Self-employed with complex tax returns

If your personal tax returns don't reflect strong qualifying income, DSCR sidesteps that entirely by looking at the property itself.

Refinancing an investment property

DSCR refinances — including cash-out options — are qualified the same way as DSCR purchases: based on the property's rental income, not your personal income.

FAQ

Common questions

What is DSCR?

Debt Service Coverage Ratio compares a property's rental income to its monthly mortgage payment (principal, interest, taxes, insurance). A ratio of 1.0 means rental income exactly covers the payment; higher ratios strengthen the loan.

Do I need to qualify with my personal income?

No — DSCR loans are designed to qualify based on the property's cash flow, not your personal income or employment.

Can I use DSCR for a first investment property?

Yes, DSCR loans are available to both new and experienced investors, though guidelines and required reserves vary by lender.

Can I do a cash-out refinance with a DSCR loan?

Yes — DSCR cash-out refinances are common among investors looking to pull equity out of a rental property to fund a next purchase, renovation, or other investment, still qualified on the property's cash flow.