DSCR Loans — Qualify Based on Property Cash Flow
Finance your investment property using rental income and property performance, not personal income documents.
See DSCR Loan Options for Your Property
Quick property-based review - no credit impact, no obligation
Understanding DSCR Loans
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a non-QM mortgage for real estate investors.
Instead of reviewing personal income, lenders evaluate whether the rental income from the property can reasonably cover the mortgage payment.
DSCR compares: Monthly rental income ÷ total monthly housing payment.
Qualification is based on property cash flow
No traditional debt-to-income (DTI) calculation
Often available to individuals, LLCs, or trusts (program dependent)
Designed for investors purchasing or refinancing rental properties
Why Investors Choose DSCR Loans
Cash-Flow Focused Approval
Loan options are based on what the property earns.
Simplified Documentation
Typically, no W-2s, pay stubs, or tax returns are required.
Built for Investment Properties
Not intended for primary residences.
Flexible Use Cases
Purchase, rate-term refinance, or cash-out (program dependent).
Nationwide Availability
Programs may be available in most U.S. states, depending on lender guidelines.
DSCR Loan Eligibility
Investment Property Only
Not for primary residences.
Rental Income Required
Property must demonstrate sufficient cash flow.
DSCR Ratio
Typically ~0.75–1.0+, depending on lender guidelines.
Credit Profile
Minimum scores often start around 620–660, depending on program.
Ownership Structure
Individual, LLC, or trust (program dependent).
Not Sure If You Qualify?
Many investors assume they won’t qualify — but DSCR programs are often more flexible than expected.
How DSCR Loans Work
Submit your info for a quick DSCR review.
We evaluate rental income and lender guidelines.
Review DSCR loan structures that may fit your strategy.
Proceed with a lender option that aligns with your goals.
Why Investors Work With Loan Factory
Loan Factory helps investors compare DSCR loan options across multiple lenders, rather than pushing a single program.
Frequently Asked Questions
Get answers to common questions about DSCR loans.
See which DSCR programs may fit your property’s cash flow.
A quick review shows which DSCR programs may work for your property’s cash flow — no tax returns, no obligation.
Disclaimer: This content is for informational purposes only and does not constitute a commitment to lend. Loan programs, terms, and eligibility depend on credit approval, underwriting, property cash flow, and investor guidelines.