Qualify on the property's income — not yours.

A DSCR (Debt Service Coverage Ratio) loan looks at what the property earns, not your personal income or employment history. It's built for landlords and investors who want financing that scales with their portfolio, not their pay stubs.

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Traditional mortgages qualify you based on personal income, tax returns, and employment history. That works fine for a primary residence — it breaks down fast for investors who own multiple properties, are self-employed, or whose tax returns don't reflect their real cash flow.

DSCR loans solve this by qualifying the property itself. The lender looks at the ratio between the property's rental income and its debt obligations (mortgage payment, taxes, insurance). If the property's cash flow covers its own costs at an acceptable ratio, you qualify — no tax returns, no W-2s, no personal debt-to-income calculation.

Highlights

What makes this program work.

No Income Docs

Property Qualifies, Not You

No tax returns, W-2s, or personal income verification required — the property's rental income does the qualifying.

Portfolio Friendly

No Cap on Financed Properties

Unlike conventional investment loans, DSCR programs typically don't limit how many properties you can finance.

Entity Ownership

Close in an LLC

Many DSCR programs allow you to close title in an LLC or other business entity for liability and organizational purposes.

Flexible Ratios

Programs for Various DSCR Levels

Options exist even when a property's DSCR ratio is below 1.0, depending on your overall profile and reserves.

Fast Scaling

Built for Growing Portfolios

Designed specifically for investors who are actively acquiring, not just holding one rental.

Property Types

Single-Family to Small Multifamily

DSCR financing typically covers single-family rentals, condos, and small multifamily investment properties.

Good Fit If

Is this the right fit?

You're buying or refinancing a rental property, not a primary residence
Your tax returns don't reflect your true cash flow (common for self-employed investors)
You already own multiple financed properties and conventional DTI limits are the bottleneck
You want to close in an LLC rather than your personal name

Common Questions

What borrowers ask about this program.

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property based on its rental income relative to its debt obligations, rather than the borrower's personal income — useful for landlords and investors building a rental portfolio.

What DSCR ratio do I need to qualify?

Requirements vary by program, but a ratio of 1.0 or higher (meaning the property's income covers its own debt) is common for the most favorable terms. Programs exist for lower ratios too, depending on the rest of your profile.

Can I close a DSCR loan in an LLC?

In many cases, yes — this is one of the more common reasons investors choose DSCR financing over a conventional loan. Confirm specifics with Tom for your situation.

Is there a limit on how many properties I can finance with DSCR loans?

DSCR programs typically don't impose the same financed-property caps that conventional investment loans do, which is part of why they're popular with actively growing portfolios.

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Tom will walk you through real numbers for your situation — no pressure, no obligation.

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