Grow your portfolio with DSCR financing.
Qualify on the property's rental income — not your personal tax returns. Built for investors who think in cash flow.
Discuss Your DealWhat is DSCR?
DSCR stands for Debt Service Coverage Ratio — the ratio of a property's rental income to its mortgage payment. Instead of proving personal income with tax returns, lenders evaluate whether the property's rent covers the debt.
A DSCR of 1.0 means rent equals the payment. Most programs look for 1.0–1.25+, depending on the lender and property type.
Who it's for
- ✓ New investors buying their first rental
- ✓ Seasoned investors scaling a portfolio
- ✓ Self-employed borrowers with strong rentals
- ✓ W-2 earners who maxed conventional limits
- ✓ LLC and entity purchases (program-dependent)
Example scenarios
First rental property
New investor buying a single-family rental. Qualify on projected rent, not your W-2.
Portfolio expansion
Seasoned investor adding property #5 or #10. DSCR scales with your portfolio goals.
Short-term rental
Airbnb or vacation rental? Some DSCR programs accept short-term rental income projections.
Refinance to pull equity
Already own rentals? Refinance based on property cash flow to fund your next deal.
Have a deal in mind?
Let's run the numbers on your next investment property.