DSCR (Debt Service Coverage Ratio)

A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors who want to qualify based on a property’s cash flow rather than their personal income.

Lenders look at the property’s rental income compared to its expenses to determine if it can cover the mortgage payment.

These loans may allow investors to finance rental properties without using tax returns, W-2s, or traditional income verification. DSCR guidelines vary by lender, and requirements such as minimum credit score, down payment, and ratio thresholds apply.

DSCR loans are typically for investment properties only and may carry higher rates or larger down payment requirements than standard mortgages.

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