DSCR Loan Program
A flexible mortgage solution for real estate investors who want to qualify based on the property’s rental income potential instead of traditional personal income documentation.
Program Overview
The DSCR Loan Program is designed for real estate investors who want to finance rental properties using the property’s income potential. Instead of relying on traditional personal income documentation, this program focuses on whether the property can generate enough rental income to support the monthly payment.
Program Features
Designed for real estate investors purchasing or refinancing rental properties.
Qualification may be based on the property’s debt service coverage ratio.
A strong option for borrowers who prefer not to use tax returns, W-2s, or traditional income documents.
Uses rental income potential to help evaluate the loan scenario.
Can support financing for qualified investment property scenarios.
May be available for purchase, rate and term refinance, and cash out refinance opportunities.
Why Choose This Program?
Helps investors qualify without depending heavily on personal income documentation.
Provides a practical path for borrowers building or expanding a rental property portfolio.
Ideal for clients whose investment property has strong rent potential or existing lease income.
Offers a cleaner documentation process compared with many traditional mortgage options.
Can be helpful for self-employed investors or borrowers with complex income structures.
Gives realtors another financing solution to discuss with investor clients.
Who This Program Is Great For?
Real estate investors purchasing rental properties.
Borrowers refinancing existing investment properties.
Clients who want to qualify using rental income potential rather than traditional personal income.
Self-employed borrowers with complex tax returns or nontraditional income documentation.
Portfolio investors looking for a flexible financing strategy.
Realtors working with buyers interested in income-producing properties.
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Need Help Structuring a DSCR Loan?
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