DSCR / Investor Loan Specialist  ·  NMLS #1982189  ·  120+ Lenders

Investment property financing
that doesn't rely on
your personal income.

DSCR loans qualify on the property's rental income — not your W-2, tax returns, or DTI. No employment verification. No income documentation. It's purpose-built for investors who want to scale without personal finances becoming the constraint.

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🏢 DSCR / Investor Specialist
⭐ Stars · Google Reviews
🏠 NMLS #1982189
120+
Lender Options
States Licensed
★
Google Rating
Verified Reviews
How DSCR Works

One ratio.
The property pays for itself.

DSCR stands for Debt Service Coverage Ratio. The calculation is simple:

🏠
Monthly Rental Income
Gross rent the property generates — from a lease, market rent appraisal, or STR platform data
➗
Monthly PITIA
Principal + Interest + Taxes + Insurance + HOA. The full monthly cost of holding the property

A DSCR of 1.0 means rent exactly covers the payment. A DSCR of 1.25 means rent is 25% above the payment — stronger cash flow, better pricing. Most lenders want at least 1.0; some prefer 1.2 or higher. A few offer no-ratio programs for properties below 1.0, at adjusted terms.

"DSCR removes personal income from the equation entirely. Purpose-built for investors who think in portfolios."

Why It Matters for Investors
  • Scale without DTI limits — each property qualifies on its own income, so adding units doesn't drag your personal ratios
  • Preserve personal borrowing power — DSCR debt structured in an LLC keeps investment obligations separate from your personal credit profile
  • No tax return requirements — self-employed investors with write-downs won't be penalized for aggressive depreciation
  • Faster repeat investing — no income re-verification between properties means less friction on deal two, three, and beyond
  • LLC-compatible — most lenders allow closing in an entity, supporting clean portfolio structuring from the start
Who This Is For

Built for investors,
not primary residence buyers.

🏖️
STR Investors
Airbnb and VRBO buyers who need a lender that understands short-term rental income and how to document it
🏘️
Long-Term Rental Buyers
Single-family, 2–4 unit, and small multifamily investors financing on monthly lease income
✈️
High-Income W-2 Borrowers
Pilots, executives, and high earners who are DTI-constrained on conventional but have the income and assets to support more
🏢
Portfolio Builders
Investors on properties two, three, and beyond who need a structure that scales without re-qualifying personal income each time
What We Handle

Three investor profiles
DSCR is built for.

🏖️
Short-Term Rental Financing
Airbnb and VRBO properties present a documentation challenge — STR income isn't on a standard lease. We work with lenders who accept STR-specific rent data — market rent appraisals, platform earnings history, or comparable STR comps.
🏘️
Long-Term Rental Properties
Single-family homes, condos, and 2–4 unit properties with traditional leases. Qualification is straightforward when monthly rent exceeds PITIA. We find the lender whose rate and terms fit your DSCR ratio and LTV.
📈
Portfolio Expansion
Already own investment property and ready to scale? DSCR was designed for repeat investors. No income re-qualification, no interference with personal DTI, LLC-compatible. Investors who fund the down payment via a cash-out refinance on their primary home often pair it with DSCR on the investment side. Each property stands on its own cash flow.
FAQ

DSCR loan questions,
answered straight.

What DSCR ratio is required to qualify?
Most lenders require a minimum of 1.0 — rent equals or exceeds the full monthly payment (PITIA). Many programs price better at 1.2+. Some lenders offer no-ratio programs for properties below 1.0, typically at higher rates and with 25–30% down. The ratio directly affects pricing, so it's worth optimizing before you apply.
How much down payment is required?
Typically 20–25% for single-family and 2–4 unit properties. Short-term rentals and higher loan amounts may require 25–30%. Requirements vary by lender, property type, and DSCR ratio. Unlike jumbo loans, creative LTV structures are less common on DSCR — most lenders want meaningful equity from day one.
Are DSCR rates higher than conventional investment rates?
Yes, typically 0.5–1.5% higher depending on lender, DSCR ratio, LTV, and property type. The premium reflects the non-QM structure and absence of personal income underwriting. For investors who need to scale beyond conventional DTI limits, the trade-off is often worth it.
Can I use projected Airbnb or short-term rental income to qualify?
It depends on the lender. Some accept a market rent appraisal using STR comparable data. Others require documented platform earnings history. A few want a property management agreement. STR qualification varies more by lender than any other property type — choosing the right lender upfront saves significant time.
Can I close in an LLC?
Yes. Most DSCR lenders allow — and some prefer — LLC vesting. Closing in an entity separates the property from your personal credit profile and supports clean portfolio structuring. Rates and documentation requirements may vary slightly when an LLC is involved.

Build your portfolio
without hitting income limits.

Free consultation. No obligation. Elliott responds same day.

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(206) 949-5563  ·  elliott@yourmortgagecopilot.com  ·  Erie, Colorado  ·  Licensed in States