What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a real estate investment loan based primarily on the property’s income—not your personal income. Instead of using tax returns or W-2s, lenders evaluate the property’s ability to cover its own debt through rental income. It’s a fast, flexible financing option tailored for real estate investors looking to scale their portfolio without traditional income documentation.

5 Exciting Benefits of a DSCR Loan:

  • No Tax Returns or Pay Stubs Needed – Approval is based on the property’s cash flow, not your personal income.
  • Perfect for Scaling Investors – Unlock funding fast and keep growing your rental portfolio without the red tape.
  • Unlimited Property Potential – Use DSCR loans to finance multiple properties at once—no cap on how big you can go.
  • Ideal for Short-Term and Long-Term Rentals – Whether it’s Airbnb or year-long leases, DSCR loans fit your investment model.
  • Close Like a Pro – Faster underwriting and fewer hoops mean you can move quickly in hot markets and close with confidence.