Quick property-based review – no credit impact, no obligation
Loan options are based on what the property earns.
Typically, no W-2s, pay stubs, or tax returns are required.
Not intended for primary residences.
Purchase, rate-term refinance, or cash-out (program dependent).
Programs may be available in most U.S. states, depending on lender guidelines.
Not for primary residences.
Property must demonstrate sufficient cash flow.
Typically ~0.75–1.0+, depending on lender guidelines.
Minimum scores often start around 620–660, depending on program.
Individual, LLC, or trust (program dependent).
Complete a quick inquiry and discover your financing options today.
Get answers to common questions about DSCR loans.
DSCR stands for Debt Service Coverage Ratio, which compares rental income to the mortgage payment.
Typically no. Qualification is based on property income rather than personal income.
Many DSCR programs allow LLC ownership, depending on lender guidelines.
Most programs support single-family homes, condos, and small multi-unit properties.
No. DSCR loans are designed for investment properties only.
With a cash-out refinance loan, you can get access to fund future home improvements, debt consolidation, college tuition or unexpected medical expenses. The purpose of this type of loan is to extract equity from your home.
