Investors

DSCR loan

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

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

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.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation 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."
   }
  }
 ]
}