The loan that qualifies on
the deal, not you.
DSCR stands for Debt Service Coverage Ratio — a single number that tells a lender whether a rental property's income covers its loan payment. If the rent covers the payment, the property qualifies. Your personal income is largely irrelevant.
This is a fundamental shift from how conventional mortgages work. A conventional lender wants your W2s, two years of tax returns, pay stubs, and a full picture of your personal debt load. A DSCR lender asks one question: does this property pay for itself?
The formula: DSCR = Monthly Rent ÷ Monthly PITIA (principal, interest, taxes, insurance, association dues). A ratio of 1.0 means the rent exactly covers the payment. Above 1.25 is where most lenders are comfortable.
DSCR loans are structured as Business Purpose Loans — meaning the borrower is typically an LLC and the property is a non-owner-occupied investment. This is what removes the need for personal income verification entirely.
DSCR threshold
required
available
Does your rental
pass the test?
Use this to get a quick read on where your deal likely stands before submitting for review. This is illustrative only — actual qualification depends on your full scenario.
PITIA = principal + interest + taxes + insurance + association dues (if applicable). Use your estimated monthly tax and insurance figures if you don't have exact numbers yet.
Who DSCR loans
are built for.
DSCR loans aren't for everyone — but for the right investor, they remove most of the friction that conventional lenders create.
| Investor Type | Conventional Loan | DSCR Loan |
|---|---|---|
| Self-employed / complex income | ✗ Tax returns often work against you | ✓ Property income qualifies, not personal |
| Investor near the 10-loan limit | ✗ Hard cap at 10 (Fannie/Freddie) | ✓ No property count limit |
| LLC borrower | ✗ Usually personal name only | ✓ Entity borrowing standard |
| Investor with strong-cash-flow property | ✗ Still needs personal income check | ✓ Property pays for itself — that's enough |
| Speed-sensitive deal | ✗ 30–60 day close typical | ✓ 14–21 days typical |
Not sure if your deal qualifies? Submit your scenario — property address, purchase price, estimated rent. We'll tell you where it stands within 24 hours.
Submit My Deal →How a DSCR loan
actually works.
The process is leaner than conventional financing — fewer documents, faster decisions, and no personal income deep-dive.
DSCR loans are structured as Business Purpose Loans — the borrower is your entity, not you personally. If you don't have an LLC, it's a straightforward setup in most states and the right move for any serious investor anyway.
Know your purchase price, estimated monthly rent, and rough taxes and insurance. That's the core of a DSCR scenario — everything else builds from there.
Share the deal basics. We review the property, the DSCR math, and the overall structure. Most deals get a preliminary read within 24 hours — experienced investors with complete details often same day.
Operating agreement, articles of organization, and ID for the principal. Lighter than a conventional loan package — no W2s, no tax returns, no employment verification.
DSCR loans typically close in 14–21 days. Many are structured as 30-year fixed loans — you hold the property, collect rent, and the payment structure is long-term stable.
Questions investors
actually ask.
Submit your rental deal.
We'll run the numbers.
Tell us the property, purchase price, and estimated rent. We'll give you a straight answer on where your deal stands — no runaround, no pressure.