DSCR / Investor Loans

At a glance

Qualify on the property's rent — not your personal income. DSCR (Debt-Service Coverage Ratio) loans use rental income to cover the mortgage payment, with interest-only options that help more borrowers qualify and table funding available for fast closes.

Program highlights

• Up to 85% LTV
• Interest-only options
• Table funding available
• No personal income required
• 30-year amortization options
• 1-4 unit, condos, and short-term rentals

How funding works

1. Send the property address, lease (or market rent) and your entity docs
2. We calculate DSCR = monthly rent ÷ PITIA — most programs need 1.0+
3. Order appraisal with rent schedule (1007); no personal income docs needed
4. Close in your LLC in as little as 21 days

Worked scenarios

Long-term SFR rental, DSCR 1.25

Borrower: Investor closing in an LLC, FICO 720

Property value: $400,000 · Loan amount: $320,000

Outcome: 80% LTV purchase, 30-yr fixed; rent fully covers PITIA + 25% buffer.

Short-term rental cash-out

Borrower: Existing AirDNA-supported STR, FICO 700

Property value: $650,000 · Loan amount: $487,500

Outcome: 75% LTV cash-out using STR projected income — proceeds redeployed into next acquisition.

Why this program

DSCR = monthly rent ÷ PITIA (principal, interest, taxes, insurance, association dues). A 1.0 DSCR means rent exactly covers the payment; 1.25 is the comfort zone for most lenders.

Interest-only DSCR loans dramatically raise qualifying DSCR — useful in higher-rate environments where principal + interest would push DSCR below 1.0.

Closing in an LLC keeps the loan off personal credit and isolates liability between properties.

Frequently asked

Do you check my personal income?

No personal income documentation is required — qualification is based on the property's rent.

What's the minimum DSCR?

Most files target 1.0+; we have programs that go below 1.0 (see No Minimum DSCR).

Can I close in an LLC?

Yes — that's the standard structure for DSCR loans.