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DSCR Investment Property Loans — Qualify on Rental Income, Not Yours

Get Pre-Qualified

DSCR stands for Debt Service Coverage Ratio. If your monthly rent covers the mortgage payment, you qualify — regardless of your personal income. Ideal for investors building a rental portfolio without qualifying individually for each loan.

DSCR Calculator

Loan term
Property type

Monthly PITIA: $0

DSCR ratio: 0.00

Monthly cash flow after debt service: $0

DSCR Rental FAQs

What is DSCR?
Debt Service Coverage Ratio compares gross rental income to the full housing payment (PITIA). Above 1.0 means the rent covers the payment.
Can I qualify without personal income docs?
Many DSCR programs qualify from the property's rental income, reducing reliance on personal income documentation.
Does this work for long-term rentals?
Yes — long-term lease income is commonly used for DSCR qualification on investment properties.
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