DSCR Loans
For Rental Properties
Perfect for the BRRRR strategy. Qualify based on the property's cash flow, not your personal income. Build your rental portfolio without income verification.
No W‑2s Required
Qualify based on property cash flow
30‑Year Fixed
Long‑term financing available
Cash‑Out Refinance
Pull equity for your next deal
Loan Details
The BRRRR Strategy
Buy
Purchase an investment property with hard money financing.
Rehab
Complete renovations to increase property value.
Rent
Place quality tenants and establish rental income.
Refinance
Refinance with a DSCR loan based on rental income.
Repeat
Use cash‑out refinance proceeds for your next deal.
What is DSCR?
DSCR stands for Debt Service Coverage Ratio. It's calculated by dividing the property's monthly rental income by its monthly debt obligations (mortgage payment, taxes, insurance, HOA).
DSCR = Monthly Rent ÷ Monthly Debt
A DSCR of 1.0 means the property's rental income covers 100% of the debt. Higher ratios may qualify for better rates.DSCR Calculator
Calculate your Debt Service Coverage Ratio to see if your investment qualifies.
Property Income
Debt Service
Calculation Breakdown
Most DSCR lenders require a minimum ratio of 1.0–1.25.