DSCR Loans

Qualify on rental income. Not your W-2.

DSCR loans let you grow your rental portfolio without personal income limits. If the property cash-flows, you qualify. No tax returns, no employment verification, no DTI calculation. Close in your LLC.

Check Your DSCRNo credit impact | No commitment

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DSCR Calculator

See if your rental property qualifies for a DSCR loan

Monthly Rent

Purchase Price

Property ZIP Code (CO)

Down Payment: 25%

15%50%

Interest Rate: 7.5%

5%12%

1.08

DSCR Ratio

Monthly payment (PITIA)$2,323

P&I / Tax / Insurance$1,835 / $175 / $312

Monthly cash flow+$177

Loan amount$262,500

Qualifies — meets minimum DSCR requirements

How Investors Use DSCR Loans

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Long-term rental

Self-employed investor buys a SFR for $320K. Appraisal shows market rent of $2,400/mo. DSCR of 1.21 qualifies easily — no tax returns needed.

Purchase$320,000

Down (25%)$80,000

Rent$2,400/mo

DSCR1.21

Cash flow+$415/mo

Program used:DSCR — 30yr Fixed

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Airbnb property

Couple buys a vacation rental near the beach for $450K. 12-month rental income history from Airbnb shows $3,800/mo average. DSCR qualifies at 1.15.

Purchase$450,000

Down (25%)$112,500

Avg Airbnb income$3,800/mo

DSCR1.15

Annual revenue$45,600

Program used:DSCR — STR Program

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Duplex cash-out refi

Investor owns a duplex worth $380K with $180K remaining. Cash-out refi at 75% LTV pulls $105K to fund next acquisition.

Value$380,000

Current balance$180,000

New loan (75%)$285,000

Cash out$105,000

Combined rent$3,200/mo

Program used:DSCR — Cash-Out Refi

DSCR loan benefits

The fastest way to scale your rental portfolio without income caps.

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Qualify on property cash flow — no personal income docs needed

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Close in your LLC, trust, or corporation

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No limit on number of financed properties

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Interest-only options available to maximize cash flow

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Purchase or cash-out refinance up to 80% LTV

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Loan amounts from $100K to $5M+

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Short-term rentals (Airbnb) income eligible

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Foreign nationals considered on select programs

Frequently asked questions

What is a DSCR loan?+

How is DSCR calculated?+

Do I need to show tax returns or W-2s?+

Can I close in my LLC?+

What properties qualify?+

What credit score do I need?+

Ready to grow your portfolio?

See if your deal qualifies in minutes. No income docs needed.

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