DSCR Guidelines

In today’s market, qualifying for an investment property shouldn’t depend on your personal income. Traditional loans can slow you down or limit how many deals you can take on.

Our DSCR (Debt Service Coverage Ratio) loan program is built specifically for real estate investors who want a faster, simpler way to scale their portfolio.

Instead of using your personal income, we qualify the property based on its cash flow. In most cases, all that’s needed is a lease agreement to show rental income.

With as little as 20% down, you can purchase or refinance investment properties without the hassle of tax returns or income documentation.

Program Highlights:

  • 20% down payment

  • No personal income verification

  • No tax returns required

  • Qualify using rental income (lease agreement)

  • Ideal for scaling a rental portfolio

  • Fast and flexible approvals

Eligible Property Types:

  • Single-Family Rentals

  • 2–4 Unit Properties

  • Condos

  • Townhomes

Requirements:

  • Non-owner occupied (investment property only)

  • Lease agreement (to verify rental income)

  • Minimum credit score typically 620+

  • Property must cash flow (DSCR-based approval)

FAQs

What is DSCR?
It measures a property’s income vs. its expenses to determine if it qualifies.

Do I need to show personal income?
No. Approval is based on the property’s rental income.

What documents are required?
Typically just a lease agreement (or market rent if vacant).

What’s the minimum down payment?
20%.

Can I use this to grow my portfolio?
Yes. This is one of the most popular programs for real estate investors.

INQUIRE HERE