What DSCR ratio do I need to qualify?

Most DSCR lenders look for a ratio of 1.0 or higher, with 1.25 or above considered strong. A DSCR of 1.0 means the rental income exactly covers the mortgage payment. Some programs allow below 1.0 depending on other factors. Requirements vary by lender.

Can I use a DSCR loan for a short-term rental?

Yes. Many DSCR programs allow short-term rental properties such as Airbnb or VRBO rentals. Some lenders use market rent or projected income rather than actual rental history. Subject to lender guidelines and property type.

Can I take out a DSCR loan in an LLC?

Yes. Many Non-QM DSCR lenders allow title to be held in an LLC. This is a common strategy for investors seeking liability protection. Requirements vary by lender and state.

Home / Loan Programs / DSCR Investor Loans

Investor · Non-QM · 35 States

Qualify on Rental Income. Not Tax Returns.

DSCR loans let investment property owners qualify based on the property's cash flow — not your personal income, W-2s, or tax returns. Available in 35 states through Non-QM wholesale lenders.

No W-2 Required No Tax Returns LLC Ownership OK Short-Term Rentals Cash-Out Available 35 States

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DSCR Program Overview

States Available

620+

Min FICO

20%

Min Down Payment

$3M+

Max Loan

Qualify when monthly rent ≥ mortgage payment.
No personal income verification in most programs.

How It Works

The DSCR formula is simple.
The impact is massive.

DSCR stands for Debt Service Coverage Ratio. Lenders divide the property's monthly rental income by the total mortgage payment. If the property covers itself — you may qualify.

The Property Qualifies — Not You

Traditional mortgages underwrite your personal income. DSCR loans underwrite the property's rental income. Your tax returns, employment status, and personal DTI don't factor in.

Income From Rent — Not Your Job

Lenders use the gross monthly rent — from a lease agreement or market rent estimate — as the income source. Self-employed, retired, foreign national, or W-2. Doesn't matter.

LLC Ownership Allowed

Many DSCR lenders allow title in an LLC — a major advantage for investors who want liability protection and portfolio organization. Subject to lender guidelines.

Scale Your Portfolio Faster

Because DSCR qualification is property-based, you can finance multiple investment properties without hitting conventional income-based limits. Build your portfolio deal by deal.

Understanding the DSCR Ratio

Monthly Gross Rent

$2,800

Lease agreement or
market rent estimate

Monthly PITIA Payment

$2,100

Principal + Interest +
Tax + Insurance + HOA

DSCR = $2,800 ÷ $2,100 = 1.33 ✓ Strong — Likely to Qualify

1.25+ Strong — Best pricing 1.0–1.24 Borderline — May qualify Below 1.0 — Rent needs to increase

DSCR Calculator

Run your DSCR scenario
in 60 seconds.

Enter the property details below to instantly calculate your DSCR ratio and estimate qualification strength.

Property Details

Purchase Price

$50K$3M

Down Payment %

Interest Rate

Loan Term

Property Type

Rental Income & Expenses

Monthly Gross Rent

$500$20K

Annual Tax

Annual Insurance

DSCR Analysis

Monthly P&I Payment

—

principal & interest only

Loan Amount—

Monthly Rent—

PITIA Payment—

Annual Cash Flow—

DSCR Ratio

—

Enter values to calculate

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Estimates only. Actual rates, terms, and qualification depend on credit, property, lender, and program guidelines. Not a commitment to lend.

Who Qualifies

Built for investors who
think in cash flow.

DSCR programs serve a wide range of investor scenarios that traditional financing simply can't handle.

Self-Employed Investors

Write-offs reduced your taxable income. A traditional lender said no. DSCR doesn't look at your returns.

No W-2 required
No tax returns needed
No personal DTI calculation

Foreign National Investors

No SSN or U.S. credit required in many programs. Finance U.S. rental properties from anywhere in the world.

International buyers welcome
LLC or personal title
ITIN borrowers in some programs

Portfolio Builders

Already at conventional loan limits? DSCR has no limit on the number of financed properties in most programs.

No limit on financed properties
Multiple LLCs acceptable
Short-term rentals eligible

Know Your Property Value

Check what your
investment property is worth.

An accurate home value estimate is the starting point for calculating your DSCR, available equity, and refinance options. Get a quick estimate below.

FAQ

Common questions,
direct answers.

Most DSCR lenders look for a ratio of 1.0 or higher. A ratio of 1.25 or above is considered strong and typically gives access to better pricing and more program options. Some lenders allow below 1.0 depending on credit, down payment, and other compensating factors. Requirements vary by lender.

Yes. Many DSCR programs allow short-term rental properties. Some lenders use market rent estimates or projected STR income rather than requiring lease history. Subject to lender guidelines, property type, and location. Some lenders require documented STR income history.

Yes. Many Non-QM DSCR lenders allow title to be held in an LLC. This is common for investors seeking liability protection and portfolio organization. Requirements and terms vary by lender and state.

Most DSCR programs require 20% to 25% down payment for a purchase. Some lenders have lower down payment options depending on DSCR ratio, credit, and property type. Cash-out refinance programs are also available.

Yes in many cases. Foreign national and expat DSCR programs are available. Requirements vary significantly by lender and may include larger down payments, reserves, and specific documentation. No U.S. credit history required in some programs.

Most Non-QM DSCR lenders have no limit on the number of financed properties — unlike conventional programs which cap out at 10. This is one of the biggest advantages for serious portfolio investors. Individual lender guidelines apply.

Ready to qualify on
rental income?

DSCR scenarios vary widely by property, market, and lender. A scenario review is the fastest way to know if a deal works.

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