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Your Guide to DSCR Loans

Key Program Features

Min Credit Score
600+
Maximum Loan Amount
Up to $3,000,000
Max Loan to Value
  • Purchase: 80%
  • Cash-out Refinance: 75%
Reserves
  • No reserves needed at ≤ 75% LTV
  • Otherwise 6 months PITI
Qualification Method
Debt Service Coverage Ratio based on property income
Eligible Property Types
  • Single Family
  • PUD
  • Townhome
  • 2–4 Units
  • Warrantable and Non-Warrantable Condo
  • Rural Properties
  • Manufactured Homes

DSCR Investment Property Loans — Qualify Using Rental Income

If you invest in real estate, you want a loan that recognizes the strength of the property. Our DSCR program qualifies you based on rental income and expenses rather than personal income documents. That keeps the process simple and focused on the numbers that matter to investors.

Whether you are adding a new single family rental, buying a 2–4 unit, or refinancing to tap equity, we help you structure a plan that supports cash flow and long term growth.

Top Features of Our DSCR Program

Qualify With Property Income

Underwriting evaluates the property’s Debt Service Coverage Ratio using rents and PITI. Fewer personal documents required.

Ideal for: Investors who value speed and clarity.

Loan Amounts Up to $3,000,000

Finance a wide range of investment purchases or refinances with flexible options.

Ideal for: Scaling portfolios with confidence.

Investor Friendly LTVs

Up to 80% on purchases and 75% on cash out refinances helps you keep more capital working.

Ideal for: Buyers and refinance scenarios seeking leverage.

Clear Reserve Guidance

No reserves needed at 75% LTV or lower. Above 75% LTV, plan for 6 months of PITI in reserves.

Ideal for: Planning liquidity and smoother approvals.

Who This Loan Is For

  • ✔️ Real estate investors purchasing or refinancing rental properties
  • ✔️ Buyers of single family, townhomes, condos and 2–4 unit properties
  • ✔️ Investors who want to qualify using property cash flow
  • ✔️ Portfolio builders who value fast, transparent answers

Why Investors Work With Us

From first rental to multi unit portfolios, our team models DSCR upfront, aligns terms with your goals, and helps you close with confidence. You stay in control with clear numbers and a simple plan.

See Your DSCR Options

Get pre qualified in minutes with our DSCR quick start.

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Frequently Asked Questions

What is a DSCR loan?
A DSCR loan qualifies using the property’s cash flow. Lenders evaluate Net Operating Income and compare it to the monthly payment that includes principal, interest, taxes and insurance.
What credit score do I need?
Minimum 600 FICO for this program. Higher credit can improve terms.
What are the LTV limits?
Up to 80% for purchases and 75% for cash out refinances, subject to eligibility and underwriting.
Are reserves required?
At 75% LTV or lower, no reserves are required. Above 75% LTV, plan for 6 months of PITI in reserves.
What property types are eligible?
Single Family, PUD, Townhome, 2–4 Units, warrantable and non warrantable condos, rural properties and manufactured homes, subject to program guidelines.