Specialty · Non-QM

DSCR Loans

“For investors — qualify on the property's income.”

A DSCR (Debt Service Coverage Ratio) loan is a non-QM option for real estate investors. It qualifies based on the rental income a property is expected to generate rather than your personal income — useful for building a portfolio.

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Who it may be a good fit for

Real estate investors buying rental or investment property
Borrowers who prefer not to document personal income
Investors growing a portfolio of properties

Key things to know

Approval is driven by the property's projected rent versus the payment (its DSCR)
Down payment and reserve requirements are typically higher than owner-occupied loans
Rates and terms vary by lender and property type

What you'll typically need

A lease or market-rent estimate for the property
Bank and reserve statements
Entity documents if buying in an LLC, plus photo ID

Last reviewed: July 2026. This page is general education, not a loan approval or commitment to lend; program details vary by lender and can change.

Good to Know

DSCR Loans FAQs

What does DSCR mean?

Debt Service Coverage Ratio — it compares the property's expected rental income to its mortgage payment. A ratio at or above the lender's threshold generally supports approval.

Do I need to show my personal income for a DSCR loan?

Typically no — that's the point. Qualification is based on the property's cash flow rather than your personal income, though credit and reserves still matter.

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