DSCR Mortgage Loans for Investment Properties
What Is a DSCR Mortgage Loan?
A DSCR loan allows borrowers to qualify based on the rental income of the property. It removes the need for tax returns, W-2s, or pay stubs. Instead, the property’s income is evaluated to determine if it covers the mortgage payment — commonly using a DSCR of .75 to 1.75 or higher.
Who Is This Program For?
* Real estate investor
* LLC or corporate title holders
* Borrowers with limited documentable income
* Individuals recently declined for a conventional loan
Key Features
* Loan amounts up to $5,000,000
* Up to 80% LTV on purchases
* Cash-out refinance available to 75% LTV
* No income, no employment stated on application
* FICO scores starting at 600 (some lenders allow lower)
* Qualify with a DSCR as low as 0.75 on select programs
Eligible Property Types
* 2–4 unit properties
* Condos and townhomes
* Single-family rentals
* Short-term rentals (Airbnb/VRBO)
* Mixed-use (case-by-case)
Program Highlights
* Interest-only options available
* LLC and corporate vesting allowed
* No DSCR minimum with some lenders
* Fast close times (8–17 days)Available in 35+ investor-friendly states
* Available in 35+ investor-friendly states
States We Lend In:
California, Texas, Florida, New York, Georgia, and 30+ others