DSCR Loans
Investment property loans that qualify based on the property's rental income rather than your personal income. No tax returns or employment verification needed.
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PROGRAM OVERVIEW
Debt Service Coverage Ratio (DSCR) loans are purpose-built for real estate investors who want to finance rental properties based on the property's income potential rather than their personal income. Instead of verifying your W-2s, tax returns, or employment, the lender evaluates whether the property's rental income is sufficient to cover the mortgage payment — a metric known as the Debt Service Coverage Ratio.
The DSCR is calculated by dividing the property's gross monthly rental income by the total monthly mortgage payment (including principal, interest, taxes, insurance, and HOA fees). A DSCR of 1.0 means the rental income exactly covers the payment. Most lenders require a DSCR of 1.0 to 1.25, though some programs allow ratios below 1.0 for strong borrowers in appreciating markets.
DSCR loans are a game-changer for investors scaling their portfolios. Because personal income is not used for qualification, there is no limit to the number of properties you can finance (unlike conventional loans, which cap at 10 financed properties). At Xpert Home Lending, our DSCR program offers loan amounts up to $2 million per property, with down payments starting at 20% and both fixed and adjustable-rate options. Close in an LLC or personal name — the choice is yours.
COMMON QUESTIONS
DSCR Loans FAQ
NEXT STEPS
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