Investor Financing
Debt Service Coverage Ratio loans qualify you based on your non-owner occupied investment property's rental income, not your personal income, employment history, or tax returns. These are business-purpose loans for investment properties only. Available across 35 states and Washington D.C. with no income docs required.
Check Your Deal Now
Adjust the sliders to see your DSCR ratio in real time. Most lenders require a minimum DSCR of 1.0 — 1.25+ unlocks the best rates. No sign-up, no income docs, just the numbers.
Quick DSCR Check
Loans offered through this website are intended for business-purpose use only and are secured by non-owner occupied investment properties. Financing is not available for consumer-purpose, owner-occupied residential transactions.
The Fundamentals
A DSCR loan — short for Debt Service Coverage Ratio loan — is a non-QM mortgage for real estate investors that qualifies you based on your property's rental income relative to its debt service, with no personal income documentation required. Most lenders look for a DSCR of 1.0 to 1.25 or higher. Read the complete guide: What Is a DSCR Loan? →
Want to run the numbers on your property? Use our free DSCR calculator or read our in-depth guide on how to calculate DSCR for a rental property. See also: best states for rental property cash flow, explore DSCR cash-out refinance options, or view state-specific guides: Ohio, Texas, Florida, Arizona, Nebraska, Kansas, Illinois, or browse all 36 state markets.
Looking for city-level DSCR loan guides? See our detailed market breakdowns for DSCR Loans in Denver, DSCR Loans in Dallas, DSCR Loans in Columbus, DSCR Loans in Jacksonville, and DSCR Loans in Omaha — each with cap rates, sample deals, and top submarkets.
The DSCR Formula
Below 1.0
Negative cash flow
1.0 – 1.24
Marginal
1.25+
Strong
Who Benefits
Self-Employed Investors
Complex tax situations, write-offs, and variable income no longer disqualify you.
Portfolio Builders
No limit on the number of properties you can finance. Conventional limits don't apply.
LLC Buyers
Purchase and hold investment properties inside your LLC for maximum asset protection.
Short-Term Rental Operators
Airbnb and VRBO income can be used for DSCR qualification using market data.
Foreign Nationals
U.S. tax return requirements? Not an issue with DSCR underwriting.
High-Earner Write-Off Investors
Show lower taxable income due to deductions? DSCR looks at rental income only.
Interactive Tool
Your DSCR
1.18
Marginal — May Qualify with Some Lenders
Investor Markets
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