DSCR Loans — Qualify Based on Property Cash Flow
Finance your investment property using rental income and property performance, not personal income documents.
DSCR loans are designed for real estate investors purchasing or refinancing income-producing properties.
Qualify Using Rental Income
The property's income, not your paystub, drives approval.
No Traditional Income Documents
No W-2s, tax returns, or employment verification.
Investor-Focused Programs
Built for portfolio growth, not owner-occupants.
Multiple Property Types
Single-family, condo, and small multi-unit rentals.
See DSCR Loan Options for Your Property
Quick property-based review · no credit impact · no obligation
Understanding DSCR Loans
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a non-QM mortgage for real estate investors.
Instead of reviewing personal income, lenders evaluate whether the rental income from the property can reasonably cover the mortgage payment.
DSCR compares: Monthly rental income ÷ total monthly housing payment.
Qualification is based on property cash flow
No traditional debt-to-income (DTI) calculation
Often available to individuals, LLCs, or trusts (program dependent)
Designed for investors purchasing or refinancing rental properties
Why Investors Choose DSCR Loans
Cash-Flow Focused Approval
Qualification is based on the property's rental income.
Simplified Documentation
No tax returns or personal income verification.
Built for Investment Properties
Programs designed specifically for rental real estate.
Flexible Use Cases
Purchase, refinance, or cash-out on rental properties.
Nationwide Availability
DSCR programs available across licensed states.
Eligibility
Investment Property Only
DSCR loans are for non-owner-occupied rental properties.
Rental Income Required
Current or projected market rent on the property.
DSCR Ratio
Typically ~0.75–1.0+ depending on the program.
Credit Profile
Minimum scores often start around 620–660.
Ownership Structure
Available to individuals, LLCs, or trusts, program dependent.
Not Sure If You Qualify?
How DSCR Loans Work
Get Started
Tell us about the property and your financing goals.
Property Cash Flow Review
We review the rental income against the proposed payment.
Compare DSCR Options
See programs side by side from our lender network.
Move Forward If Ready
Lock in your rate and move toward closing.
Why Investors Work With Loan Factory
Loan Factory helps investors compare DSCR loan options across multiple lenders, rather than pushing a single program.
Frequently Asked Questions
Get answers to common questions about DSCR loans.
What does DSCR stand for?
DSCR stands for Debt Service Coverage Ratio, which compares rental income to the mortgage payment.
Do I need tax returns for a DSCR loan?
Typically no. Qualification is based on property income rather than personal income.
Can I use an LLC?
Many DSCR programs allow LLC ownership, depending on lender guidelines.
What properties qualify?
Most programs support single-family homes, condos, and small multi-unit properties.
Is this for primary residences?
No. DSCR loans are designed for investment properties only.
See which DSCR programs may fit your property's cash flow.
A quick review shows which DSCR programs may work for your property's cash flow, no tax returns, no obligation.
Disclaimer: This content is for informational purposes only and does not constitute a commitment to lend. Loan programs, terms, and eligibility depend on credit approval, underwriting, property cash flow, and investor guidelines.