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DSCR Loans

Debt Service Coverage Ratio are not necessarily hard to get if you have a property that cash flows well, a 620+ credit score, and a 20–30% down payment. They are generally easier than traditional loans for investors with complex incomes because they focus on property revenue rather than personal DTI, though they often come with higher interest rates and fees. 

What is a DSCR loan?

A DSCR (Debt-Service Coverage Ratio) loan is a non-QM mortgage for real estate investors that qualifies based on a property's cash flow rather than personal income. It divides the property’s gross rental income by its total monthly debt (principal, interest, taxes, insurance, HOA) to determine if the property can support its own mortgage payments.

Benefits of DSCR Loan

  • No Personal Income Verification

  • No Tax Returns

  • No Employment Verification

  • Qualify based on Property Cashflow

Program details

  • Minimum 620 FICO

  • Max 80 LTV

  • Up to $2,500,000 loan amount

  • Debt Service Coverage Ratios ≥ 0.75

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