Loan programs · DSCR investor loans
DSCR loans for rental property investors
A DSCR (debt service coverage ratio) loan qualifies an investment property mainly on its rental income compared with its payment, rather than on your personal income documents. It's a non-QM product, so pricing and terms differ from conventional loans.
How DSCR is calculated
Monthly rent ÷ monthly property payment (principal, interest, taxes, insurance, HOA). Lenders set their own minimum ratios.
Who it suits
Investors with several properties, or self-employed borrowers whose tax returns understate cash flow.
Trade-offs
Larger down payments and different pricing than owner-occupied loans are common. We'll compare options side by side.