The rent qualifies the loan. Your salary never comes into it.
DSCR rental property loans across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
No tax returns, no W-2s, no debt-to-income calculation. The lender asks one question: does the rent cover the payment.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
A DSCR loan is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You are buying a rental to hold | The core use. The property stands on its own numbers | Portfolio loans → |
| Your tax returns understate what you earn | Irrelevant here, because they are never read | Bank statement loans → |
| You already own several properties | Agency lending caps how many. DSCR generally does not | Portfolio loans → |
| You want to hold it in a company | Most DSCR lenders prefer it that way | LLC lending → |
| You are refinancing a rental you own | Same logic applies. The rent carries the file | Cash out refinance → |
| The property is a short-term rental | Nightly income can be used, though fewer lenders will | Short-term rental → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a DSCR file needs
A property that earns
Actual rent if it is tenanted, or an appraiser’s market rent opinion if it is not.
Coverage of the payment
The rent measured against the payment is the whole test. That ratio is the DSCR.
A deposit
Larger than a primary residence requires, because the lender carries this risk itself.
A credit history the lender can price
Income is ignored. Credit very much is not.
Reserves
Most lenders want to see funds left after closing to cover void periods.
An entity, often
Not always required, but frequently preferred and sometimes cheaper.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
A vacant property still needs a rent figure
If there is no tenant, the appraiser gives a market rent opinion and that number carries the file. It can come back lower than you expect.
Coverage below the threshold changes everything
If the rent does not cover the payment by enough, pricing worsens or the file moves. Test it before you go under contract.
Condo and short-term rentals narrow the field
Both are financeable. Both cut down the list of lenders willing, which is exactly when shopping matters.
Nadeem Bhatti
Where we place DSCR loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What landlords ask about DSCR
What does DSCR mean?
Debt Service Coverage Ratio. It compares the rent the property produces against the payment on the loan. That comparison is the qualification.
Do you look at my personal income?
No. That is the defining feature. No tax returns, no W-2s, no debt-to-income calculation.
What if the property is empty?
An appraiser provides a market rent opinion and that figure is used. It is worth knowing that number before you commit.
Can I buy in an LLC?
Yes, and many DSCR lenders prefer it. It is one of the few mortgage products where holding in an entity is straightforward.
How many DSCR loans can I have?
More than agency lending allows. Once you pass what one lender will do, a portfolio facility usually solves it.
Get your rental priced before you offer
Send us the address and the rent. We will tell you whether it covers and how it prices, free.