All loan programsLoan program
DSCR Loan
Investment property financing qualified by rental income, not personal income.
Min down payment
20%
Min credit score
660
Min DSCR
1.00 – 1.25
Loan amount
Up to $3M
Overview
About the DSCR loan
DSCR (Debt Service Coverage Ratio) loans qualify investors based on the property's rental cash flow rather than personal income — perfect for self‑employed investors and those scaling a portfolio.
Best for
Who this fits
- Real estate investors
- Self‑employed buyers
- LLC and entity purchases
Pros
- No personal income docs (no W‑2, tax returns)
- No DTI calculation
- Unlimited number of properties
- Fast closings (3–4 weeks)
Things to consider
- Higher rates than conventional
- Larger down payment required
- Investment properties only
Requirements
What you'll need
- Property rental income covers mortgage payment (DSCR ≥ 1.0)
- 20–25% down payment
- Credit score 660+
- Can close in LLC or personal name
FAQ
Common questions
What DSCR ratio do I need?
Most programs require a DSCR of 1.00 (rent equals payment) or higher. The best rates are at 1.25+.
Can I close in my LLC?
Yes — DSCR loans are designed for entity ownership and we can close in your LLC, LP, or trust.
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