DSCR Loan

Investment property loans based on the property's income, not yours.

DSCR (Debt Service Coverage Ratio) loans allow real estate investors to qualify based on the property's projected rental income rather than their personal income, W-2s, or tax returns.

Explore DSCR Options

Key Features

Qualify based on rental income, not personal income
No tax returns or W-2s required
Can use LLC or trust ownership
20-25% down payment typical
Higher rates than conventional investment loans
Ideal for real estate investors building a portfolio

Who It Is For

DSCR loans are for real estate investors who want to qualify based on what the property can generate in rent, not what they personally earn. This is especially useful for investors with high personal income that is difficult to document, or anyone who wants to scale quickly without income limitations.

If the property's projected rental income covers the debt payments with room to spare (a DSCR above 1.0), you may qualify even without traditional income documentation.

Building your investment portfolio?

Austin can help you structure DSCR financing for your next rental property.

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