DSCR Loans, Structured
by a Specialist.
DSCR loans qualify the property, not you. No income verification. No employment check. No tax returns. Just your credit score, your down payment, and a property that generates rent. Our network of licensed DSCR specialists structures your deal for approval and matches it to the right lender from 70+ in our network. Getting matched takes one short form. No credit pull.
Check Your DSCR Eligibility
2 minutes. No SSN. No credit pull.
Step 1 of 10
What are you looking to do?
70+
Lenders in Network
More ways to structure your deal
50
States Covered
Licensed in every state
21
Day Avg Close
Application to funded
$0
Upfront Fees
No application or junk fees
HOW IT WORKS
Three Steps to a Structured Deal
One form. A licensed DSCR specialist. A deal structured for approval.
Tell Us About Your Property
Property type, location, estimated value, down payment, and credit range. Takes 2 minutes. No SSN required.
Get Matched with a Specialist
We route your inquiry to a licensed DSCR broker in your state. You hear from them within 1 business hour. One broker, not five companies calling.
Your Specialist Structures the Deal
Your broker structures your file for approval and matches it to the right lender from 70+ in our network. Fast closings on clean files. Exceptions, edge cases, and complex scenarios get human judgment, not an algorithm.
LOAN PROGRAMS
DSCR Programs for Every Deal Type
8 programs. 70+ lenders. Every property type and investor scenario covered.
Standard DSCR
Min DSCR
1.0x
Min Down
20%
Min FICO
660
Max LTV
80%
- No income docs or tax returns
- SFR, 2-8 unit, condo, townhome
- No limit on financed properties
No-Ratio DSCR
Min DSCR
None
Min Down
30%
Min FICO
680
Max LTV
70%
- Negative cash flow properties qualify
- No DSCR calculation required
- Best for appreciation markets
Foreign National DSCR
Min DSCR
1.0x
Min Down
25%
Min FICO
N/A
Max LTV
75%
- No US credit history needed
- Foreign bank reference letter accepted
- No SSN or US visa required
Interest-Only DSCR
Min DSCR
1.0x
Min Down
20%
Min FICO
680
Max LTV
80%
- Lower payments boost your DSCR
- 5-year or 10-year IO periods
- Maximize monthly cash flow
Short-Term Rental DSCR
Min DSCR
1.0x
Min Down
20%
Min FICO
680
Max LTV
80%
- Airbnb and VRBO income accepted
- AirDNA projections qualify the deal
- Vacation markets nationwide
Portfolio DSCR
Min DSCR
1.0x
Min Down
25%
Min FICO
680
Max LTV
75%
- Bundle 3-20+ properties in one loan
- Aggregate DSCR across all properties
- One payment, one closing
DEAL ANALYZER
Instantly Analyze Your Deal
Paste a property URL, describe your deal, or enter the numbers. Get an instant DSCR verdict, monthly cash flow projection, and a preview of what your specialist will structure, before you apply.
QUALIFICATION
Who Qualifies for a DSCR Loan
DSCR loans qualify the property, not you. If the rent covers the payment, you qualify.
You Qualify If
- Credit score 660 or higher (some programs go to 620)
- Down payment of 20% or more
- Property generates rental income (or you put 30%+ down for No-Ratio)
- Non-owner-occupied investment property
- As little as 0-3 months of reserves (program-dependent)
- SFR, 2-8 unit, condo, or townhome (townhomes qualify as SFR)
- US citizen, permanent resident, or foreign national
- Self-employed, W-2, retired, or any income source
- Closing in personal name, LLC, or trust
- No limit on number of financed properties
This May Not Be Ideal If
- Credit score below 620 (most lenders require 660+)
- Down payment under 15% (minimum is 20%, or 30% for No-Ratio)
- You plan to live in the property (DSCR is investment-only)
- The property is raw land or commercial (DSCR covers residential 1-8 units)
- You need fix-and-flip-only financing (see Bridge-to-DSCR for rehab-to-hold)
COVERAGE
Licensed in All 50 States
Hover over any state to explore DSCR loan options in your market.
RESULTS
What Investors Say After Closing
Real deals. Real numbers. Real investors who closed through our broker network.
"I own 14 rentals across three states. My broker structured a portfolio deal at 75% LTV. No income docs, no tax returns, closed in 19 days. I've worked with a lot of loan officers. This was the smoothest DSCR close I've had."
Outcome
5 SFRs in one close
LTV
75%
Close
19 Days
Marcus T.
Florida · Portfolio (5 SFRs)
"I had no idea DSCR loans existed until I found this site. Filled out the form in two minutes, got a call within an hour, and had a structured plan by the next morning. Closed on my first rental at 25% down without a single tax return submitted."
Outcome
First rental, no W-2s
LTV
75%
Close
23 Days
Jessica W.
Texas · Single-family rental
"My local credit union told me my self-employed income wouldn't qualify and tried to push me into a worse program. My matched broker structured a DSCR loan that ignored my personal income entirely and qualified on the property's rent."
Outcome
Self-employed, declined elsewhere
LTV
75%
Close
Fast Closing
Anthony R.
Georgia · Single-family rental
"I'm a nurse who bought her first rental property. I was worried about qualifying because I already have a mortgage on my primary home. My broker explained that DSCR doesn't look at my personal debt at all. The duplex qualified on its own rental income."
Outcome
First investment, primary mortgage in place
LTV
75%
Close
25 Days
Keisha D.
North Carolina · Duplex (2-unit)
"I've closed 9 DSCR loans in the past two years. My first lender declined the deal because of a condo association issue. My broker pivoted to a different lender within 48 hours and we closed on time. That doesn't happen when you're locked into one lender."
Outcome
Saved after first decline
LTV
75%
Close
27 Days
Daniel P.
Arizona · Condo
"I live in Toronto and own two rentals in Florida. Getting a US mortgage as a Canadian used to be nearly impossible. My broker walked me through the foreign national program, handled the foreign credit report, and I closed a $390K loan with no SSN required."
Outcome
Foreign national, no SSN
LTV
70%
Close
28 Days
Carlos V.
Florida · SFR (Foreign National)
"I run 3 Airbnbs in the Smoky Mountains. Most lenders won't touch STR income. My matched broker found a lender that uses AirDNA projections and accepted my trailing 12-month revenue on a cabin that does $50K a year in gross bookings."
Outcome
STR income approved
LTV
75%
Close
23 Days
Mike L.
Tennessee · Short-term rental (cabin)
"My CPA told me I'd never qualify for another mortgage because of how my tax returns look after depreciation. Two days after submitting the form, I had a pre-approval letter for a DSCR loan. No income verification at all."
Outcome
Heavy write-offs, still approved
LTV
75%
Close
22 Days
Brian H.
Ohio · Townhome
Results may vary. Individual loan terms depend on borrower qualifications, property characteristics, and lender guidelines. Past results do not guarantee future performance. Testimonials reflect the individual experiences of specific borrowers and are not representative of all borrowers.
FAQ
What Investors Ask About DSCR Loans
Straight answers. No bank-speak.
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income, not your personal income. The lender divides the monthly rent by the monthly mortgage payment (PITIA). If the ratio is 1.0x or higher, the property qualifies. No W-2s, no tax returns, no employment verification. Available on single-family homes, 2-8 unit properties, condos, and townhomes in all 50 states.
Most DSCR lenders require a 660 FICO minimum. Some programs go as low as 620. A 740+ score opens up the broadest set of programs across our lender network. Getting matched does not involve a credit pull. Any credit check is run by your matched specialist later, only after you submit a formal application and give consent.
Standard DSCR loans require 20% down (80% LTV). No-Ratio programs require 30% down. Foreign National programs require 25-30% down. Higher down payments expand your program options and improve your DSCR. There are no zero-down DSCR programs.
Yes. The No-Ratio DSCR program allows negative cash flow at 30% or more down. The lender does not calculate the DSCR ratio. Investors use this in appreciation markets where purchase prices outpace rents.
DSCR loans close fast. Clean files move quickly from completed application to funded loan, often faster than a conventional mortgage. Portfolio loans and foreign national loans take a bit longer due to additional documentation. Your matched specialist gives you a realistic timeline for your specific file.
Yes. Most DSCR lenders allow closing in an LLC, corporation, or revocable trust. The individual borrower typically signs a personal guarantee even when the title is in the entity name. Your broker will confirm lender-specific requirements.
When you go direct, you get one lender's program, and a loan officer whose job is to fit your file into that lender's box. When you use DSCRBroker.com, your matched broker is a DSCR specialist who structures your deal for approval and matches it to the right lender from 70+ in our network. The difference is judgment: which lender's overlays fit your scenario, how to position the file, and how to handle exceptions when automation breaks.
No. Submitting the form matches you with a specialist and does not pull your credit. We cannot pull credit without a formal application and your consent. Any credit check happens later, run by your matched specialist, only after you decide to move forward with an application.
Yes. The Short-Term Rental DSCR program accepts Airbnb and VRBO income. For new purchases, lenders use AirDNA market projections. For refinances of existing STRs, lenders accept your trailing 12-month booking history.
Yes. The Foreign National DSCR program is built for non-US investors. No SSN required. Lenders accept a foreign credit report or bank reference letter from your home country. You will need a US bank account and an ITIN for tax purposes.
Your Next Rental Property Deserves a Specialist
One form. A licensed DSCR specialist who structures your deal for approval. No credit pull to get matched. Match in 2 minutes, fast closings on clean files.