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.
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
Curious what the monthly payment might look like? Try my free mortgage calculator.
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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