Back to Non-QM
Non-QM Loans → DSCR Loans
DSCR Loans
Debt Service Coverage Ratio loans for real estate investors. Qualify based on rental income, not your personal income.
What is DSCR?
DSCR compares the property's rental income to its mortgage payment. A DSCR of 1.0 means rent covers the payment. Most lenders require 1.0-1.25.
Key Benefits
No Income Verification
No W-2s, tax returns, or pay stubs required
Unlimited Properties
No limit on the number of investment properties
Close in LLC
Purchase in your business entity's name
Fast Closing
Streamlined process for experienced investors
Ideal For
- •Real estate investors building a rental portfolio
- •Self-employed individuals with complex tax returns
- •Investors who own multiple properties
- •Short-term rental property owners (Airbnb, VRBO)