DSCR Loan Program Guide
Complete guide to DSCR loans for real estate investors and business owners
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of NonQM loan designed for real estate investors and business owners who want to finance investment properties based on the property's income rather than personal income documentation.
Key Benefits
- No personal income verification required
- Based on property cash flow
- Flexible documentation
- Fast approval process
- Multiple property support
DSCR Requirements
Most lenders require a minimum DSCR of 1.25, which means the property's annual net income must be at least 25% more than the annual loan payments.
Qualification Process
- Property analysis and income verification
- Credit review
- Down payment verification
- Appraisal
- Underwriting and approval
Common DSCR Programs
Different lenders offer various DSCR programs with different requirements and terms. Our network includes verified lenders specializing in DSCR loans.
Was this helpful?
Get matched with verified lenders in our network
Ready to Find Your Perfect Lender?
Use our resources to prepare, then connect with verified NonQM lenders who understand your situation