A DSCR (Debt Service Coverage Ratio) Loan is an investment property mortgage that qualifies borrowers based on the cash flow of the rental property— not personal income. This makes it easier for real estate investors to secure financing.

No Income Requirements

Unlike traditional loans, DSCR loans don’t require proof of personal income. Instead, lenders assess the estimated market rent to ensure your expected rental income covers your monthly loan payments. These loans are also known as business purpose or private lender loans.

Eligibility

• Down payments as low as 20%
• 640 minimum FICO score
• $100k minimum loan amount
• Residential properties only
• 1-8 unit properties