Services
DSCR Loans
A DSCR loan qualifies a rental property on its income, not yours: the lender compares the property’s rental income to the proposed mortgage payment (the Debt Service Coverage Ratio). That means no personal income verification and no tax returns — useful for self-employed and portfolio investors.
At a glance
| Qualification | Property rental income (DSCR) |
| Personal income docs | Not required |
| Typical DSCR | Around 1.0, varies by lender |
| Max LTV | Up to ~80% |
| Best for | Investors, self-employed, portfolio expansion |
What this covers
- No tax returns or personal income verification
- Qualify the deal on rental income
- Good for self-employed borrowers and portfolio builders
- Property types: single-family rentals, small multi-family, short-term rentals
Who it’s for
Real-estate investors and self-employed borrowers buying or refinancing rental property who prefer not to document personal income.
How it works
- Model the property — We estimate the DSCR from rent and the proposed payment.
- Build the property package — Leases or rent estimates and property details.
- Lender underwrites — The lender confirms DSCR, value and terms.
- Close in an entity — Fund the deal, often in an LLC.
What you’ll need
- Leases or market-rent support
- Property details and condition
- Entity / vesting information
- No personal tax returns required
Frequently asked questions
Do DSCR loans require tax returns?
No. DSCR loans qualify on the property’s rental income, so personal income and tax returns are not required.
What DSCR do I need?
Many programs start around a 1.0 DSCR; exact requirements and pricing vary by lender and property.
Can self-employed investors qualify?
Yes — because the property carries the qualification, DSCR is popular with self-employed borrowers and investors building a portfolio.