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Loan program
DSCR investor loans
Debt service coverage ratio (DSCR) loans qualify an investment property on the rent it produces, not on your personal income or tax returns.
A good fit for
- Real estate investors who write off a lot on their taxes
- Buyers adding to a rental portfolio
- Short-term and long-term rentals
- Investors who want to close in an LLC
Good to know
- Investment properties only, not your primary home
- The lender compares market rent to the full monthly payment
- Larger down payments than owner-occupied loans
- Prepayment penalty options can improve pricing
How DSCR is calculated
DSCR equals monthly rent divided by the full monthly housing payment: principal, interest, taxes, insurance, and any HOA dues. A ratio of 1.00 means the rent exactly covers the payment. Many lenders want 1.00 or higher, and some allow lower ratios with stronger terms elsewhere. Try the DSCR calculator.
Built by investors, for investors
Our team runs a rental and commercial portfolio of its own. We understand appraisal rent schedules, LLC vesting, portfolio limits, and why the closing timeline matters on a competitive offer.
Rent sources
Lenders use a signed lease, the appraiser's market rent estimate, or for some short-term rentals, documented booking history. Ask us which applies before you make an offer.
Rates and terms change daily. Contact us for current pricing based on your credit, property, and down payment.
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