Loan Program

DSCR Loans

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Is a dscr loan right for you?

If you’re an investor who thinks in terms of cash flow—not pay stubs—this loan was built for you. DSCR loans are ideal for real estate investors who want to scale their portfolio without being limited by personal income documentation. If your property can support itself, you shouldn’t have to jump through traditional hoops.

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Benefits of this loan

  • Approval is based primarily on the property’s income, not your personal earnings
  • No personal income verification required
  • Ideal for long-term rentals and portfolio growth
  • Faster, more streamlined underwriting for investors
  • Designed to help you acquire more assets, faste

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Typical loan eligibility requirements

  • Property must generate sufficient rental income to meet DSCR guidelines

  • Investment property (not primary residence)

  • Minimum credit score and reserve requirements apply

  • Property type and loan limits vary by scenario

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Check out what your investor ratio is by using our DSCR Investor Mortgage Calculator…

Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!

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$50,000 $2 Million
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$500 $10,000
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0% 20%
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0% 15%
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The DSCR for this loan is
Monthly Payments
Principal & Interest (P&I)
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Taxes & HOA
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Homeowners Insurance
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Debt Service Coverage Ratio (Rental Income / Mortgage Payment)
Rental Income $3,000
Monthly Mortgage $3,000
DSCR 0.90
Estimated Taxes & Insurance Property taxes are generally estimated to be 1.2% of the home's value, but may vary based on your location. Annual homeowners insurance is roughly 0.35% of the home's value but can change based on insurer. Your loan specialist can help you determine property tax and insurance rates in your area.
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Estimated Payment $ /mo
Loan amount
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Down payment
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Interest rate
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Property tax
Homeowner's insurance
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HOA dues
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Payment Breakdown
Amortization Schedule Breakdown
Our detailed amortization schedule breaks down your mortgage payments, showing how they are split between interest and principal over the life of your loan. Note: The actual monthly payment may be higher than what is shown here, as this schedule does not account for variable costs such as property taxes and home insurance, which are often included in your total mortgage payment.
  • Principal payments: $$240,000 (the amount borrowed)
  • Interest payments: $$297,554 (the cost of borrowing)

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Our Loan Programs

No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!

Conventional

Looking for a flexible, budget-friendly mortgage? A conventional loan offers low down payments, no mortgage insurance with 20% down, and term options that fit your life.

FHA

Easier to qualify, even with lower credit. Get help from family with gift funds for your down payment, and enjoy flexible requirements that make homeownership more accessible.

VA

No down payment, competitive rates, and flexible terms—all backed by the government. If you’re a service member, veteran, or qualifying spouse, a VA loan could be your path to homeownership.

Jumbo

Buying a high-value home? A jumbo loan lets you borrow above conventional limits. Just know—bigger loans mean tighter qualification, but it’s the key to luxury property financing.

Renovation

Buying a fixer-upper? A renovation loan lets you roll the cost of repairs and upgrades into one mortgage—making it easier to turn that “almost perfect” home into your dream home.

USDA

Looking to buy in a rural area? A USDA loan offers 0% down and affordable terms—perfect for eligible buyers ready to plant roots outside the city.

DSCR

Designed for real estate investors, this program qualifies borrowers based on the rental income generated by the property rather than personal tax returns or employment history.

Bank Statement Loans

Ideal for self-employed individuals, this program uses 12 to 24 months of personal or business bank statements to verify income, bypassing the need for W-2s.

1099 Loans

Tailored loan solutions for freelancers and independent contractors, qualifying you based entirely on your 1099 earning statements.

Non-QM Financing Programs

A versatile alternative lending solution for borrowers with unique financial situations, allowing for flexible qualification guidelines outside of standard conforming rules.

Home Equity Loans

Unlock the wealth built up in your property. This solution allows you to borrow against your available equity to fund major renovations, consolidate debt, or cover significant expenses without touching your primary mortgage.

Physician Loan

Exclusively designed for medical doctors and eligible healthcare professionals, this program offers flexible financing with low-to-no down payment options and unique underwriting that often excludes medical school debt.

Check out our other mortgage calculators

Access our top-rated mortgage calculators to expertly assess your financing options, compare various loan types, and make informed decisions for your home buying journey.

General Mortgage Repayment Calculator

See what your monthly payment could be with our general repayment mortgage calculator.

Affordability Calculator

Assess how much home you can afford based on your income, expenses, and desired down payment.

Early Payoff Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Rent vs Buy Calculator

Compare the costs of renting versus buying a home to determine the best financial decision for your situation.

Seller Net Profit Calculator

See how much you could make from your home sale with our Seller Net Profit Calculator.

Rate Buydown Calculator

Check out how much you can save with a seller-paid rate buydown.

HELOC Calculator

Estimate your credit limit and monthly payments with our HELOC Calculator!

Mortgage Comparison Calculator

Compare different mortgage options side by side to find the best fit for your financial needs.

Refinance Comparison Calculator

Evaluate the potential savings and costs associated with refinancing your existing mortgage.

DSCR Investor Calculator

See what your investor ratio is with our DSCR calculator.

Adjustable Rate Mortgage Calculator

Determine your potential monthly payments and interest costs for an adjustable-rate mortgage over time.

VA Calculator

Estimate your monthly payments and total costs for a loan backed by the Department of Veterans Affairs.

Jumbo Calculator

Calculate your monthly payments and total costs for a jumbo mortgage that exceeds conforming loan limits.

FHA Calculator

Determine your potential monthly payments and total costs for a Federal Housing Administration loan.

Conventional Calculator

See the monthly payment and total cost for a conventional mortgage loan.

USDA Calculator

Calculate the costs and monthly payments associated with a USDA Rural Development loan.

203k Renovation Calculator

Analyze your debt service coverage ratio to evaluate the profitability of an investment property.