April 28, 2026 · Nate Jones, NMLS #304056
What Is a DSCR Loan?
The investor loan that qualifies on the property's rent — not your tax return.
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What People Ask
What is a DSCR loan?
A DSCR loan (Debt Service Coverage Ratio loan) is a mortgage for real estate investors that qualifies based on rental income from the property — not your personal income. No W-2, no tax returns, no personal DTI calculation. The property's rent covers the mortgage payment and that's what qualifies you.
Who uses DSCR loans?
Real estate investors — especially self-employed borrowers who write off income and show low taxable income on returns. DSCR loans are also used by W-2 employees who've hit the conventional loan limit on financed properties. No income verification required.