Designed for real estate investors. No personal income verification required. Grow your portfolio with confidence.
A DSCR loan qualifies based on the property's ability to pay its own mortgage. DSCR stands for Debt Service Coverage Ratio — the ratio of a property's gross rental income to its total mortgage payment (principal, interest, taxes, insurance, and HOA/condo dues).
Instead of verifying your personal income, tax returns, or employment, we evaluate the investment property itself. This is why DSCR loans are ideal for real estate investors managing multiple properties or with complex tax situations.
PITIA = Principal + Interest + Taxes + Insurance + HOA
A DSCR of 1.0+ is typically required. This means the property generates enough income to cover its debt obligation.
We don't require your personal tax returns, W-2s, or pay stubs. The property's income speaks for itself.
Your job stability or employment history doesn't affect your qualification. Investors and self-employed borrowers welcome.
Own 1 property or 10+. We have solutions that scale with your portfolio.
Close loans in your entity name — hold title as an LLC, trust, or corporation.
Airbnb, VRBO, and nightly rental income qualify — we underwrite what traditional lenders won't.
You manage rental properties and understand cash flow. DSCR loans align with how you already analyze deals.
Adding property #2, #5, or #10 to your holdings? DSCR scales without personal income recalculation.
Doctors, dentists, consultants, and business owners with complex tax strategies can leverage property income instead.
Expanding to a new market? We fund DSCR loans across the nation (where available).
Bridge financing with interest-only terms to accelerate renovation and stabilization.
Different DSCR ratios unlock different lending programs. Higher ratios = better rates and terms.
| DSCR Range | Program | Down Payment | Key Notes |
|---|---|---|---|
| < 1.0 | No-Ratio Product (Bank Statement Loans) | 25%+ | For stabilized properties with lower documented income; asset-based qualification. |
| 1.0 – 1.19 | Marginal DSCR | 25%+ | Possible with larger down payment and/or lower LTV; higher rates typical. |
| 1.2 – 1.24 | Standard DSCR | 20–25% | Sweet spot for most investors; competitive rates and terms. |
| 1.25+ | Excellent DSCR (Best Rates) | 15–20% | Strong income coverage; lowest rates and best loan features available. |
Share basic property and financial details. We evaluate your DSCR and loan structure in 24–48 hours.
Formal loan application with property financials (rent roll, lease copies, recent appraisal, loan estimate).
Underwriting review of DSCR calculation, property value, and terms. Appraisal ordered and completed.
Final approval, closing disclosure review, document signing, and funds disbursed to escrow.
Yes, absolutely. If your property generates sufficient rental income (typically DSCR 1.0+), we can refinance your existing mortgage into a DSCR loan. This works great for investors who previously got conventional loans and want to access better terms based on property income rather than personal qualification.
Construction loans and construction-to-permanent loans are available. For stabilized, non-rented properties, we use projected rental income based on comparable properties in the market or existing lease agreements. Once the property stabilizes and generates actual income, we can refinance into standard DSCR terms.
DSCR is ideal for multi-family, commercial, and mixed-use properties. We underwrite based on the full income statement: rents, tenant reimbursements, laundry/parking income, etc. For commercial or larger multi-family, we may also consider historical operating expenses to refine the DSCR calculation. This is where DSCR loans truly shine — the bigger and more complex the investment, the more valuable the DSCR model.
DSCR loans are available in most states, but not all. We recommend asking directly — call (714) 470-6091 or email info@alexshik.com to confirm availability for your target property location. Some states have specific regulatory requirements that may affect timing or terms.
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