Real estate investing is all about finding the right opportunities—and having the right financing options can make all the difference. If you’ve been looking for a way to expand your portfolio without the strict income verification requirements of traditional loans, then a DSCR loan might be the perfect fit for you.
These loans allow investors to qualify based on their property’s rental income, rather than personal income. Whether you’re a seasoned investor, a first-time buyer, or even a foreign national, this program offers flexible financing options tailored to meet your needs.
Let’s break down everything you need to know about the DSCR Investor Program and how it can help you scale your investments with ease.
A DSCR (Debt Service Coverage Ratio) loan is a financing option designed specifically for real estate investors. Unlike traditional loans, which require proof of personal income, these loans focus on the property’s rental income to determine eligibility.
In other words, instead of showing W-2s, tax returns, or pay stubs, you qualify based on the rental income your investment property generates. This makes it an ideal choice for self-employed investors, those with complex income streams, or anyone looking for a hassle-free financing solution.
No Personal Income Verification – Approval is based on property income, not your job status or tax returns.
Higher Loan Amounts – Borrow between $125K and $3M, allowing you to invest in larger properties.
Flexible Credit Requirements – Credit events like bankruptcies, foreclosures, or short sales don’t automatically disqualify you.
Multiple Property Types Allowed – Fund condos, non-warrantable condos, and short-term rentals.
Great for First-Time Investors – Options available for those new to real estate investing.
This loan is an excellent choice for various types of real estate investors. Here’s who can benefit most:
If you already own multiple properties, DSCR loans provide a way to expand your portfolio without being limited by traditional income requirements. Since there’s no cap on the number of properties you can finance, you can keep growing your investments.
If you’re new to real estate investing, you might not have traditional W-2 income that qualifies you for a conventional loan. With a DSCR loan, you can qualify based on your property’s potential rental income instead.
Foreign investors looking to buy U.S. real estate often struggle with traditional loans. This program offers financing for foreign nationals with a 700+ FICO score and up to 75% LTV, making it an excellent option for international buyers.
If you’re in the Airbnb or vacation rental business, DSCR loans allow you to secure financing for short-term rental properties—just keep in mind that some tiers require a slight LTV reduction.