DSCR investor loans
Qualify a rental on the property's income, not yours.
A DSCR loan (debt service coverage ratio) is built for real estate investors. Instead of qualifying on your personal income, it qualifies on whether the property's rent covers its own payment. That lets investors grow a portfolio without their personal debt-to-income ratio becoming the ceiling.
- 01Real estate investors buying rentals
- 02Buyers growing a portfolio beyond what personal income allows
- 03Self-employed investors who'd rather not use tax returns
The property qualifies itself
We look at whether the rent covers the payment, rather than your personal income. The deal stands on its own cash flow.
Scale past DTI limits
Because it's not tied to your personal debt-to-income, DSCR lets serious investors keep buying.
Investor-focused
This is for investment property, not your primary home. We'll match the structure to your strategy.
DSCR investor loans, answered.
- What does DSCR actually measure?
- It's the ratio of the property's rental income to its loan payment. If the rent comfortably covers the payment, the deal qualifies, largely independent of your personal income.
- Can I use a DSCR loan for my first rental?
- Yes. It's common for both first-time and experienced investors. We'll look at the property's projected rent and structure it from there.
That's what the first call is for.
Tell me your situation and I'll tell you which programs actually fit. Ten to fifteen minutes, no paperwork.
This page is general information about loan programs, not a commitment to lend or an offer of credit. Program availability, terms, and qualification depend on your situation and are subject to underwriting approval. Tareq Maayta, NMLS #1443073. Loans through Finance USA Corporation, NMLS #135625. Equal Housing Opportunity.