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Invest in Real Estate Without the Income Ratio Requirement
DSCR Loans for Investment Properties
If you’re an investor focused on cash flow rather than traditional income documentation, our DSCR Loan Program is built for you. This loan bases approval on your property’s Debt Service Coverage Ratio — not your personal income. With no ratio requirement available, loan amounts up to $3.5 million, and LTVs up to 80%, it’s one of the most flexible financing tools for growing your real estate portfolio. Short-term rental income from Airbnb and VRBO is eligible, and interest-only options make managing cash flow even easier.
FAQs
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan compares a property’s income to its expenses to determine if it can support the mortgage payment.
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Do I need a personal income check?
No. Approval is based on the property’s income, not your personal job or W-2 income.
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Can I use this for short-term rentals?
Yes! Airbnb, VRBO, and similar short-term rental income sources are eligible.
Why Investors Choose DSCR Loans
Traditional lenders often require income verification, tax returns, and employment documentation that many investors simply don’t have — especially those who focus on passive income properties. With a DSCR loan, approval comes down to one thing: how well your property earns. That means faster closings and fewer paperwork hurdles.
Grow Your Portfolio Without Slowing Down
Whether you’re buying your first investment property or adding another to your portfolio, DSCR loans give you the freedom to focus on your investments, not your employment history. With high loan limits, flexible LTVs, and eligibility for both long-term and short-term rentals, this program is a cornerstone for serious real estate investors.