DSCR stands for Debt Service Coverage Ratio. It measures a property's ability to generate enough income to cover its mortgage payments. A DSCR of 1.0 means rental income exactly equals the mortgage payment. A ratio above 1.0 means positive cash flow.

What DSCR ratio do I need to qualify?

Our DSCR program allows a minimum ratio as low as 0.76x, meaning the property's rental income does not need to fully cover the mortgage payment. Some programs also offer "no ratio" DSCR loans for properties with even lower ratios at higher down payments. Stronger ratios (1.25+) typically result in better pricing.

Can I use DSCR for short-term rentals?

Yes. Many DSCR lenders will accept documented Airbnb/VRBO rental income using a trailing 12-month average or an appraisal report estimating short-term rental income. Policies vary by lender, so ask us about current program availability.

Do DSCR loans require tax returns?

No. DSCR loans do not require personal income documentation, tax returns, W-2s, or pay stubs. Qualification is based entirely on the rental income of the subject property.

Can I close a DSCR loan in an LLC?

Yes, many DSCR lenders allow, and even prefer, closing in an LLC or other business entity. This provides liability protection for your investment. Title seasoning and entity formation requirements may apply.

DSCR Loan | MtgPro.ai

DSCR Loan

Qualify on rental income, not your tax returns

Debt Service Coverage Ratio loans let real estate investors qualify based on the property's rental income rather than personal income documentation. Ideal for self-employed investors and those with complex tax situations.

Get My Strategy Run the Numbers

About 60 seconds leftNo hard credit pull

What's your primary goal?

Pick the one that sounds most like you.

Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending

No credit check to complete this quiz · your info is never sold

Rather just talk? Call or text us at (949) 401-7593

60 seconds · no hard credit pull

Run the Numbers

Key Advantages

Why Choose a DSCR?

Here's what sets this loan product apart and who it works best for.

No Personal Income Required

Qualification is based on the property's rent-to-mortgage ratio, not your W-2 or tax returns.

Scale Your Portfolio

No limit on the number of financed properties, perfect for investors building long-term wealth.

Entity-Friendly

Loans can be made in the name of an LLC or corporation, protecting your personal assets.

Short-Term Rental Eligible

Airbnb and VRBO income can qualify using market rent or documented short-term rental history.

Calculator

DSCR Calculator

Estimate your debt service coverage ratio for an investment property.

Purchase Price$400K

$100K$5.0M

Down Payment25%

15%45%

Interest Rate

Enter the rate you want to model. We don’t advertise rates; your pricing is quoted individually.

Monthly Rent$2,500

$500$15,000

Enter an interest rate above to see your results.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Eligibility

Qualification Requirements

General guidelines for DSCR Loan eligibility. Requirements vary by lender and scenario.

Requirement	Guideline
Minimum Credit Score	660+
Minimum DSCR	0.76x
Minimum Down Payment	20%
Property Type	Investment / Non-Owner-Occupied
Loan Types	Single-family, 2-4 unit, condo, townhome
Documentation	Lease agreement or market rent appraisal

These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.

FAQ

Frequently Asked Questions

Common questions about DSCR Loan loans.

Get Started Today

Ready to explore DSCR Loan?

Answer a few quick questions and get a personalized strategy recommendation, including whether DSCR is right for your situation.

Build My Strategy Talk to Arran

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

Explore More

Related Loan Products

Explore other products that may complement your strategy.

Bank Statement Loan

Use your business revenue to qualify, not your tax returns

Bank statement loans are designed for self-employed borrowers who show strong revenue but have lower taxable income after deductions. Qualify using 12–24 months of personal or business bank statements instead of tax returns.

Learn more

Multifamily Loan

Finance 2-4 unit properties and build lasting wealth

Multifamily loans cover 2-4 unit residential properties (duplexes, triplexes, and fourplexes). Investor multifamily qualifies on the building's rent through our DSCR program, and owner-occupied house-hacks route into FHA or Conventional; the full specs live on those pages.

Learn more

Investment Property HELOC

Unlock equity in your rental properties

Access the equity in your investment properties to fund new acquisitions, renovations, or operating expenses, without selling your portfolio. Investment-property HELOCs run through our HELOC program, which covers primary homes and rentals alike: the full program details live on the HELOC page.

Learn more