DSCR loans · Real estate investors

Let the investment property help tell the qualifying story.

A debt-service coverage ratio loan may qualify an eligible investment property using its rental income relative to the proposed housing expense, often without traditional personal-income documentation.

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How it works

Start with the features that shape the decision.

Property cash flow

The qualifying ratio generally compares eligible monthly rent with the property’s required monthly housing expense.

Investor-focused documentation

Tax returns or employment income may not be required for qualification under some programs.

Portfolio flexibility

Programs may serve purchases, rate-and-term refinances and eligible cash-out transactions.

Plan before you apply

Details to review with Joe.

Obtain realistic market-rent support and current lease documentation when applicable.
Plan for down payment, closing funds and post-closing reserves.
Review entity vesting and experience requirements early.
Understand any prepayment penalty and state-specific restrictions.

Common questions

Let the investment property help tell the qualifying story FAQ

What DSCR is required?

Minimum ratios vary. Some programs may consider below-1.00 scenarios with stronger compensating factors.

Can a first-time investor qualify?

Possibly. Experience requirements differ by program and transaction.

Can I close in an LLC?

Many investor programs allow eligible business-entity vesting, subject to documentation and guaranty requirements.

Non-QM loans Bank-statement loans Jumbo loans

A clear comparison

See how this option fits your goals.

Joe can review your scenario, explain the tradeoffs and compare available alternatives without the jargon.

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Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.