The rent qualifies the loan. Your salary never comes into it.
DSCR rental property loans can help real estate investors finance rental properties based on the property’s income potential rather than traditional personal income documentation. In other words, the rent does the talking, not your pay stubs.
We compare DSCR loan options across 100+ lenders to help you find the right fit for your investment goals.
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 DSCR lender options and find what fits your property, not a generic pitch.
3
You Choose. We Close
Pick the option that works for you. We handle everything 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. This is the starting point for any set of DSCR loan requirements we work through with a client.
Coverage of the payment
The rent measured against the payment is the whole test. That ratio is the DSCR ratio real estate lenders actually care about, and it is the single number that decides whether your file moves forward.
The rent measured against the payment is the whole test. That ratio is the DSCR.
A deposit
Larger than a primary residence requires, since the lender carries this risk on their own book. That said, a DSCR loan minimum down payment can vary quite a bit by lender, and some buyers specifically look for a DSCR loan no down payment option, though those are rare and usually come with tradeoffs elsewhere in the file.
A credit history the lender can price
When evaluating this aspect, your income is completely ignored by the system. However, your credit history very much is not ignored, playing a vital role. Lenders closely analyze every single detail of your past credit behavior to accurately determine and price your loan terms accordingly.
Reserves
Most lenders want to see extra funds left over in your bank accounts after closing. Having these financial reserves is essential because they are specifically meant to cover potential void or vacant periods between tenants, ensuring you can safely handle mortgage payments during gaps.
An entity, often
We do not throw rates or numbers at you here on purpose. Your actual numbers depend on your credit, your county, and the program you land on. A licensed loan officer can give you real figures on a call, including current DSCR loan rates for your specific situation.
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, so it is worth checking before you get too attached to a purchase price.
Coverage below the threshold changes everything
If the rent does not cover the payment by enough, pricing worsens, or the file moves to a different program entirely. Test it before you go under contract, since this is really the heart of any honest DSCR loan pros and cons conversation.
Condo and short-term rentals narrow the field
Both are financeable. Both cut down the list of lenders willing to work with you, which is exactly when shopping around across our network matters most.
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 entire qualification behind any DSCR loan requirements we review with a client.
Do you look at my personal income?
No, that is really the whole point of this loan type. We compare DSCR lenders who focus purely on the property’s rent coverage rather than your tax returns or pay stubs.
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, most DSCR lender programs actually prefer this structure, and it is common among investors who already hold other properties in a similar entity.
How many DSCR loans can I have?
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Is a DSCR loan the same as a conventional loan?
No. A DSCR loan vs. conventional comparison comes down to the qualification method. DSCR looks at the property’s rent. Conventional looks at your personal income and credit profile as a borrower.
What is a typical DSCR loan down payment?
A DSCR loan down payment is usually larger than what a primary residence purchase requires, since the lender is taking on more risk with an investment property. Exact amounts vary by lender and by the property’s coverage ratio.
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.