DSCR Investment Property Home Loans

Since you’ve gotten this far, Congratulations: you’ve found the Debt Service Coverage Ratio mortgage experts.

Qualify for a mortgage using just rental income to cover the housing expenses. No personal income or tax returns required.

Check out the details on this page, click the yellow button to start your application in our secure online portal, or contact us to speak with Our Team.

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What is a DSCR Mortgage?


DSCR stands for "Debt Service Coverage Ratio" which just describes the amount (ratio) that the mortgage (debt) is covered by the rent.

Simply, if you own or are looking to purchase a rental property, a DSCR Mortgage allows you to use the current rental income from the property, or the projected rents as determined by an appraiser, to establish the ability to repay and to qualify. No other income is required.

"It just needs to cover the mortgage payment?"

Yes. More specifically it needs to cover the housing expense (so that's the mortgage, taxes, insurance, and HOA if it applies).

Even better, depending on credit, down payment, and a few other factors, it doesn't even need to cover the housing expense: we can go down to 75% of the housing expense and still qualify.


Mostly just the down payment requirements (15% down is the minimum) but the rates tend to stay very close to conventional mortgages where you have to jump through far more hoops to qualify.


If you're looking to purchase a rental property but don't want to deal with the financial invasion of a Conventional mortgage, then you bet it's worth it.

We will close quickly, and let you know up front what you'll qualify for. It's a fantastic way to own property without the headache.

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