Get pre-qualified

Qualify on rental
income, not yours

DSCR loans remove personal income from the equation entirely. If the rent covers the mortgage payment, the loan qualifies, no matter how your taxes look.

Get pre-qualified
0Tax Returns
1.0+Min DSCR Ratio
21 DaysAvg. Closing
0 tax returns 1.0+ DSCR 21-day close

Get a DSCR rate quote

Tell us about your investment property.

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Live Rates

Current DSCR rates

We lend directly, so there's no broker markup between you and the rate.

Direct Lender
Bedrock Mortgage DSCR NPP**
For Comparison
Wholesale Rate (Others)
1 Year ARM
3 Years ARM
30 Years
1 Year ARM
3 Years ARM
30 Years
Rate
5.875%
6.375%
6.500%
6.990%
6.990%
6.990%
Discount Point*
0.250%
0.250%
0.250%
0.000%
0.000%
0.000%
Origination Fee
1.000%
1.000%
1.000%
2.000%
2.000%
2.000%
APR
7.056%
7.058%
7.340%
9.752%
9.752%
9.725%

Rates shown assume: LTV 80%  ·  Investment property  ·  Credit score 720  ·  Single family  ·  DSCR ratio 1.00  ·  Rates subject to change without notice.

* Discount Point: An upfront fee paid at closing to lower your interest rate. 1 point = 1% of the loan amount. The lower the points, the less you pay out of pocket at closing.

** NPP (No Pre-Payment Penalty): No penalty if you pay off early, sell, or refinance. You're not locked in, you stay in full control of your timeline.

Term
Bedrock Mortgage 1 Year ARM
Others 1 Year ARM
Rate
5.875%
6.990%
Discount Pt*
0.250%
0.000%
Orig. Fee
1.000%
2.000%
APR
7.056%
9.752%
Term
Bedrock Mortgage 3 Years ARM
Others 3 Years ARM
Rate
6.375%
6.990%
Discount Pt*
0.250%
0.000%
Orig. Fee
1.000%
2.000%
APR
7.058%
9.752%
Term
Bedrock Mortgage 30 Years
Others 30 Years
Rate
6.500%
6.990%
Discount Pt*
0.250%
0.000%
Orig. Fee
1.000%
2.000%
APR
7.340%
9.725%

LTV 80% · Credit score 720 · Single family · DSCR 1.00 · Rates subject to change.

* Discount Point: Upfront fee at closing to lower your rate. 1 pt = 1% of loan amount.

** NPP: No pre-payment penalty. Pay off early, sell, or refinance anytime.

What borrowers say

★★★★★ 4.9 on Google
“

Bought a property in Ohio while I'm down in Florida and figured I'd probably need someone local out there too, but Ari just handled the whole thing from here and it went through the same as any other loan I've done with them!

Nathalia G.
“

Bedrock Mortgage was always responsive and never made me feel like I was bothering them with questions. I'm self-employed and had been told the documentation was going to be a problem. They found a way to work around all of that and we got it done.

Victor S.

What is a DSCR loan?

DSCR stands for Debt Service Coverage Ratio. Instead of verifying your personal income through tax returns and pay stubs, these loans qualify you based on whether the rental property generates enough income to cover its mortgage payment.

How DSCR is calculated

DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment (PITIA)
Example:
Property rents for $2,500/month. Mortgage payment is $2,000/month.
DSCR = $2,500 ÷ $2,000 = 1.25
A ratio of 1.0 or higher means the property breaks even or cash flows. Most lenders prefer 1.1-1.25 minimum. Higher ratios get better rates.
Get pre-qualified →

Qualifies on rental
income, not yours

Approval is based on the property, not the borrower. Because we fund from our own capital, we can offer terms and speed that broker-routed lenders can't match.

No income verification

No tax returns, W-2s, or pay stubs required. Particularly useful for investors who write off significant expenses and can't show enough taxable income to qualify conventionally.

No cap on properties

Conventional lending limits how many financed properties you can carry. DSCR loans have no such cap. Each property is underwritten on its own cash flow, so your existing portfolio doesn't disqualify you from the next deal.

Close in your LLC

We can originate the loan directly in a US LLC's name, which many investors prefer for liability protection and portfolio organization. No need to buy in your personal name and transfer later.

DSCR loans, wherever the deal is

DSCR loans are business-purpose investment loans, which means our reach goes well beyond Florida. We fund in all 50 states and Washington D.C.

Map of the United States showing that Bedrock Mortgage funds DSCR loans in all 50 states plus Washington D.C.
We fund here — all 50 states + DC
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Questions about your deal? Contact us and we'll confirm eligibility.

DSCR programs we fund

DSCR
Purchase

Buy a rental property qualifying on projected rent alone. No W-2s, no personal income verification. Close in 21 days.

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DSCR Cash-Out

Pull equity from existing rentals to fund your next deal. Up to 75% LTV at DSCR rates, no income docs needed.

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Foreign
National DSCR

Same DSCR program for non-resident investors. No US credit history required. Funded with our own capital, no broker in the middle.

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How DSCR lending works

01

Run the numbers on your deal

DSCR loans are underwritten on the property's cash flow, not your personal income. Get the address, expected rent, and estimated taxes and insurance ready and we'll tell you whether the deal qualifies before you make an offer.

02

Underwriting is based on the property

We calculate the debt service coverage ratio: monthly rent divided by the monthly loan payment. If that number is at or above 1.0, the property qualifies. Your personal income, employment history, and existing debts are not factors.

03

Market rent gets established

For vacant properties, the appraiser establishes the market rent. For occupied properties, we use the existing lease. Either way, underwriting is driven by the property.

04

Close in 21 days

Funding from our own capital means a faster overall process. We close most DSCR loans in 21 days. Once the first property is rented and cash-flowing, we can move on the next one without your existing loans counting against you.

DSCR loan questions

What DSCR ratio do I need?

Most lenders require a minimum DSCR of 1.0–1.1, meaning rental income covers or exceeds the mortgage payment. Ratios of 1.25+ get better rates. We can work with ratios as low as 0.75 with larger down payments.

How do you calculate rental income?

We use the actual lease if the property is currently rented, or an appraisal's market rent estimate for vacant properties.

What credit score do I need?

Minimum credit score is typically 680, though 700+ gets better rates. Higher DSCR ratios may allow lower credit scores. We review your full profile to find the best option.

How is a DSCR loan different from a conventional investment property loan?

Conventional investment property loans qualify you based on personal income, tax returns, and debt-to-income ratio. A DSCR loan qualifies the property instead of you: if the rental income covers the mortgage payment, you qualify, regardless of your personal income, tax returns, or employment status.

Can a first-time investor qualify for a DSCR loan?

Yes. DSCR loans don't require a minimum number of properties owned or prior landlord experience. First-time investors qualify the same way as experienced ones: based on the property's rental income and their credit and down payment.

Can I get a DSCR loan if my ratio is below 1.0?

Yes. We can work with DSCR ratios as low as 0.75. Lower ratios typically require a larger down payment and may come with a slightly higher rate, but the deal doesn't need to break even to qualify.

What are the closing costs on a DSCR loan?

Closing costs are similar to a conventional investment property loan: origination fee, appraisal, title, and standard third-party closing costs. Because we close and fund your loan ourselves, there's no broker markup added on top.

Do you offer DSCR loans outside of Florida?

Yes. We fund DSCR loans in all 50 states plus Washington D.C. See the full list above, or contact us to confirm eligibility for your specific deal.

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