Debt Service Coverage Ratio loans qualify based on property cash flow, not personal income. No tax returns. No W-2s. No personal income verification. Scale your rental portfolio without income limitations.
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property's rental income rather than the borrower's personal income. The DSCR is calculated as: Annual NOI ÷ Annual Debt Service. A DSCR of 1.25x means the property generates 25% more income than the loan payment — comfortably covering the debt.
This makes DSCR loans ideal for self-employed investors, those with complex income structures, or anyone who wants to scale a rental portfolio without being limited by personal income verification requirements.
Who It's For
Your business income is complex and doesn't show well on tax returns. DSCR loans don't care — qualification is based entirely on the property's cash flow.
Scale to 10, 20, or 50+ properties without running into conventional debt-to-income limits. Each DSCR loan stands on its own property metrics.
Borrow in your LLC or corporate entity. Ideal for investors who keep real estate holdings separate from personal finances for liability protection.
Earn significant income through investments, distributions, or K-1s that conventional lenders discount. DSCR sees what actually matters: the property.
Multifamily, mixed-use, retail, industrial, and office properties with consistent tenancy and verifiable rent rolls qualify easily.
Meet tight 1031 exchange timelines without slow income verification. Identify and close replacement properties on schedule.
No tax returns. No W-2s. Qualify on your property's cash flow.