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
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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.
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 tenanted, or the appraiser’s market rent if vacant. This is the starting point.
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, since the lender carries the risk. Minimums vary by lender.
A credit history the lender can price
Income is ignored, but credit history is not. Lenders use it to price loan terms.
Reserves
Most lenders want extra funds in your bank after closing to cover any tenant vacancies.
An entity, often
Numbers depend on your credit, county, and program. A loan officer can confirm real figures.
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
With no tenant, the appraiser’s market rent opinion carries the whole file. It can come back lower than you expect, so check it before getting 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. Test it before going under contract, since it drives everything.
Condo and short-term rentals narrow the field
Both are financeable, but both sharply narrow the list of lenders willing to work with you, which is exactly when shopping around across our 100+ lender network matters most.
Nadeem Bhatti
Where we place DSCR loans
Maryland
Virginia
Washington DC
North Carolina
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.
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.