Qualify on the property, not your tax returns.
DSCR loans underwrite the rental income the property produces instead of your personal income documentation. Tell us about the deal and a licensed loan officer will tell you whether it pencils.
- No credit pull to get started
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- We never ask for your SSN
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- A licensed loan officer, not a call center
DSCR Quote questions, answered straight.
What is a DSCR loan?
DSCR stands for debt service coverage ratio. Rather than underwriting your personal income, the lender compares the property's rental income to the payment on the loan. Investors whose write-offs make traditional qualification difficult often use them.
Do I need tax returns?
Generally no. That is the core appeal of the product, and it is why this form asks about the property's rent rather than your W2 income. Your loan officer will confirm exactly what documentation your scenario requires.
Can I close in an LLC?
Typically yes, which is one reason investors scaling a portfolio move to DSCR financing after hitting conventional financing limits.