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DSCR Investment Property Loans
Qualify investment properties based on the property cash flow.
Who this program may help
Real estate investors who want to qualify based on a property rental income rather than personal income alone.
Common benefits
- Qualification may rely on the property rental income (DSCR)
- Designed for non-owner-occupied investment properties
- Can support portfolio growth for investors
- Flexible documentation considerations
General eligibility considerations
- Property must generally be non-owner-occupied
- A debt-service-coverage ratio (DSCR) threshold typically applies
- Credit and reserves review required
Common borrower questions
What is DSCR?
DSCR (debt-service-coverage ratio) compares the rental income to the property debt obligations; lenders typically look for a ratio at or above a set threshold.
Can I use DSCR for a home I live in?
DSCR loans are generally for investment properties, not primary residences.
Program availability and terms vary. The only way to know which options fit your situation is to start your qualification.
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