🏢 DSCR Loans
Qualify on the property’s rent — not your paycheck.
A DSCR (Debt Service Coverage Ratio) loan qualifies the property instead of you. If the market rent covers the monthly payment — principal, interest, taxes, insurance, and dues — the deal can stand on its own. Your W-2s, tax returns, and personal DTI never enter the file.
Is this you?
DSCR Loans tend to be a great fit for…
- Real estate investors buying or refinancing rental property
- Self-employed investors whose tax returns understate their income
- Investors scaling past the 10-property conventional financing cap
- LLC and entity buyers who want to close in the company name
Questions friends actually ask
DSCR Loans: straight answers
What DSCR ratio do I need?
Most programs look for a ratio of 1.0 or higher — meaning the market rent fully covers the monthly PITIA payment. Some investors allow ratios below 1.0 with a larger down payment or stronger reserves. Every investor sets its own threshold, so bring Joe the address and rent and he’ll tell you where you stand.
How is the rent figured?
On a purchase, the appraiser completes a market rent analysis (Form 1007 for single-family). On a refinance of a tenanted property, the lease can often be used. Short-term rental income is allowed on some programs using documented history or market data — ask Joe which investors accept it.
Can I close in my LLC?
Frequently, yes — entity vesting is one of the biggest practical advantages of DSCR lending over conventional investor loans. Expect a personal guarantee from the members in most cases.
Do DSCR loans cost more than conventional?
Typically the rate runs somewhat higher than a comparable conventional investment-property loan — that’s the tradeoff for skipping income documentation. For investors who can’t (or don’t want to) document personally, the math usually still works. Joe can show you both paths side by side.
Keep exploring
Bank Statement Loans
Qualify with 12–24 months of business or personal bank statements instead of tax returns. Built for the self-employed.
Learn more →1099 Income Loans
Qualify using 1–2 years of 1099 forms — no tax returns, no profit-and-loss gymnastics.
Learn more →P&L Statement Loans
Qualify with a CPA- or EA-prepared profit-and-loss statement — sometimes with no bank statements at all.
Learn more →Not sure if dscr loans are right for you?
That’s literally what Joe is for. One conversation, all nine programs side by side, zero pressure to move forward.