No Minimum Credit Score. No Income Verification.
DSCR loans qualify based entirely on the income your rental property generates. If the property cash flows, you can get funded — regardless of your personal income or credit score.
DSCR stands for Debt Service Coverage Ratio. It is a measure of how much income a rental property generates compared to its debt obligations. A DSCR loan qualifies borrowers based on the property's rental income rather than the borrower's personal income — making it ideal for self-employed investors, retirees, and anyone who doesn't fit the traditional W2 borrower mold.
For example, if a rental property generates $2,000 per month in rent and the monthly debt payment is $1,500, the DSCR is 1.33 — meaning the property earns 33% more than it costs to carry. This is the kind of analysis we use to approve DSCR loans — not your pay stubs or tax returns.
- ✓ Self-employed investors with complex tax returns
- ✓ Retirees and investors with non-traditional income
- ✓ Landlords growing a rental portfolio
- ✓ Investors with multiple financed properties
- ✓ Anyone who has been turned down by traditional banks
- ✓ Investors doing cash-out refinances on rental properties
- ✓ Portfolio investors with 2 or more properties
DSCR Loan Terms
Purchase
Acquire new rental properties and qualify on the projected rent — not your personal income.
Renovation
Fund the purchase and renovation of a rental property to increase its value and rental income.
Refinance
Refinance existing rental properties into better terms based on current cash flow performance.
Cash-Out
Pull equity from performing rental properties to fund additional acquisitions and grow your portfolio.