What Is a DSCR Loan and Why Should You Care?
A DSCR loan uses the property’s rental income to qualify you. That’s it. If the numbers work, you’re in the running.
There’s no need to explain your self-employment. No tax returns to dig up. No long backstories required.
These loans are ideal for:
- Rental property investors
- Airbnb and vacation rental owners
- Buyers using LLCs or trusts
- Self-employed borrowers
- Foreign nationals
If the property cash flows, we can probably help you finance it.
Who We Work With
Whether you are just getting started or you already own several properties, we’ve got you covered. Here are a few of the common borrower types we serve:
- Seasoned Investor – Already own a portfolio? We’ll help you scale efficiently with tailored DSCR options.
- Short-Term Rental Owner – We work with buyers purchasing Airbnb, VRBO, and vacation rentals.
- First-Time Investor – New to real estate? We make it easy to get started.
- LLC or Trust Buyer – Close in the name of your business, trust, or personally.
- Foreign National – No U.S. income? No problem. We have lenders for you.
Frequently Asked Questions
What does DSCR stand for?
DSCR means Debt Service Coverage Ratio. It compares a property’s income to its monthly loan payment.
What DSCR do I need to qualify?
Most lenders look for a DSCR of 1.0 or higher, meaning the rent fully covers the mortgage. Some allow lower ratios depending on other factors.
Can I use income from Airbnb or short-term rentals?
Yes. Several of our lenders accept market rent or projected income from STR platforms.
Will I need to provide tax returns?
No. DSCR loans do not require income verification through tax returns or W-2s.
Can I close in an LLC or trust?
Yes. Many of our lenders allow title to be held in an LLC or revocable trust
