Investor loans › DSCR
DSCR loans, qualified on the rent.
The property's income covers the debt, so the file does not need your tax returns, your employment, or your personal debt-to-income ratio. This is most of what we close.
The criteria
Three ways the income gets counted
Long-term lease
A signed twelve-month lease, or the appraiser's market rent opinion when the unit is vacant. The most common path and usually the cleanest file.
Standard DSCR
Short-term rental
Airbnb and VRBO properties, using twelve-month AirDNA projections, an appraiser's short-term rent schedule, or your actual booking history.
STR income accepted
Multi-unit
Two to eight units underwritten on the whole property's rent roll rather than unit by unit.
When DSCR is the wrong tool
We will tell you when it is. If your file supports full documentation, a conventional investor loan almost always prices better. If the property does not cash flow yet because it needs work, a rehab loan first and a DSCR refinance after is usually the cheaper path than forcing the deal into one loan.
Send us the property.
Address, rent, and what you are trying to do. Thirteen questions, about five minutes, no credit pull to see pricing.