DSCR loan

Qualify on the property's rental income, not your personal income. DSCR stands for debt-service coverage ratio.

Foto: Adobe Stock (free collection) · Adobe Stock standard license · asset 551589356 · licensed 2026-09-06 under the Chris Does Photos account

Nota: Página en español pendiente: esta página se publicará en español después de la revisión de un oficial de préstamo bilingüe. A continuación se muestra la versión en inglés.

Who it's for

Investors who own several properties or whose tax returns understate their income.

How it works

The property's expected rent is compared to its proposed payment. If rent covers the payment, the loan can qualify without your tax returns.
Rates and down payments are higher than conventional investor loans.

What you'll need

Appraisal with a rent schedule
Reserves
Entity documents if buying in an LLC

Common questions

Can I close in an LLC?

Often yes; it's one of the reasons investors choose DSCR.

Por diseño, esta página no muestra tasas, APR, pagos ni porcentajes de pago inicial. Esas cifras solo se publican con la divulgación completa exigida por la Regulación Z.

Structured data on this page (JSON-LD, for review)

{
 "@context": "https://schema.org",
 "@type": "FAQPage",
 "mainEntity": [
  {
   "@type": "Question",
   "name": "Can I close in an LLC?",
   "acceptedAnswer": {
    "@type": "Answer",
    "text": "Often yes; it's one of the reasons investors choose DSCR."
   }
  }
 ]
}