DSCR Loans
Investor financing where qualification is based on the property's rental income covering the debt service, not the borrower's personal income.
DSCR stands for Debt Service Coverage Ratio. It's a measure of whether a property's rental income covers its mortgage payment, taxes, insurance, and HOA dues. A DSCR of 1.0 means the rent exactly covers the debt service; higher is better.
DSCR loans qualify borrowers based on the property, not on personal tax returns, W-2s, or employment income. That makes them powerful for real estate investors who don't want to document personal income, who already own multiple properties, or who are growing a rental portfolio quickly.
DSCR programs cover single-family rentals, small multi-family, and increasingly short-term rentals (with Airbnb-style projected income accepted by some lenders). Requirements vary widely by program, so we'll walk through which lender fits your specific deal.
Specific terms vary by lender, program, and borrower profile. All loans are subject to credit, income, property, and underwriting approval. Not a commitment to lend.
Have a different question? See all mortgage FAQs or get in touch .
DSCR Loans are a regular fit in these Central Texas markets.
Non-qualified mortgages designed for borrowers whose situations don't fit the standard conventional or government underwriting box.
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Mortgages for loan amounts above the conforming loan limits set by the Federal Housing Finance Agency.
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Multiple paths to mortgage qualification for business owners, contractors, freelancers, and other self-employed borrowers.
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