April 30, 2026 · Nate Jones, NMLS #304056
Can You Use a DSCR Loan for a Primary Residence?
DSCR loans are for investment properties — here's what to use for a primary residence instead.
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What People Ask
Can you use a DSCR loan for a primary residence?
No. DSCR loans are for investment properties only. The property must generate rental income. If you need a primary residence mortgage without W-2 income, a bank statement loan or asset depletion loan is the right fit.
Who are DSCR loans designed for?
Real estate investors buying rental properties — single family, multifamily, short-term rentals. The loan qualifies on the property's rental income, not your personal income.