What Is a DSCR Investor Loan?

A DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify based on the property's rental income — not personal income, tax returns, or W-2s. If the property generates enough cash flow to cover the mortgage, you can qualify.

This is the go-to loan for investors who want to scale their portfolio without the red tape of traditional financing.

Key Highlights:

  • No personal income verification required
  • No tax returns or W-2s needed
  • Close in LLC or entity name
  •  DSCR ratios as low as 0.75 accepted
  •  Up to 70% LTV available
  • No limit on number of financed properties

Why Investors Choose DSCR Loans

Built for investors who want speed, flexibility, and the ability to scale without limits.

Your DSCR Lending Experts

We're a father and son team with over 25 years of combined experience in the lending industry. We've helped hundreds of investors close DSCR loans — from first-time landlords to seasoned portfolio builders.

Available Monday through Sunday — because deals don't wait for business hours.

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Scale Your Portfolio Without Limits

Traditional lenders cap you at 10 financed properties. DSCR loans have no such limit. Whether you own 1 rental or 100, you can keep acquiring. Close in your LLC or entity name to protect personal assets. No DTI calculations, no employment verification, no tax return headaches — just the property's cash flow.

We Shop, You SAVE!

Access an unmatched network of over 75+ trusted lenders — all with a single application. We compare DSCR programs, rates, and terms across our entire network to get you the best deal on your investment property.

Frequently Asked Questions

Committed to giving you all the support and guidance you need.

DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rental income is enough to cover the mortgage payment. A DSCR of 1.0 means the rent exactly covers the debt. Above 1.0 means positive cash flow. Many of our lenders accept ratios as low as 0.75.

No. DSCR loans are qualified entirely on the property's rental income versus the mortgage payment. No W-2s, no pay stubs, no personal tax returns, and no employment verification required.

Yes! DSCR loans allow you to close in the name of your LLC, corporation, or other business entity. This is one of the biggest advantages for investors looking to protect personal assets and simplify their portfolio structure.

Single-family homes, condos, townhomes, 2–4-unit properties, and in some cases 5–8-unit properties. Both short-term rentals (Airbnb/VRBO) and long-term rentals can qualify, depending on the lender.

No. Unlike conventional loans that cap you at 10 financed properties, DSCR loans have no property count limit. You can continue to acquire and finance investment properties as long as each deal meets the DSCR requirements.

Typically, 20-25% down for a purchase. Some programs offer up to 80% LTV (20% down). Cash-out refinances are also available up to 75% LTV depending on the lender and property type.

We submit your loan scenario to our network of over 70 lenders simultaneously. Each lender provides their best rate and terms, allowing us to compare and present you with the most competitive options for your specific investment.

Contact Gem or Tanner

Have questions about DSCR loans or ready to get started? Reach out for a free consultation & personalized quote.