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.
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We lend directly, so there's no broker markup between you and the rate.
LTV 80% · Credit score 720 · Single family · DSCR 1.00 · Florida · 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.
Ari is a big part of why this portfolio actually happened. Hit a wall with conventional lending and wasn't sure what to do next. He explained the DSCR program, laid out what we needed, and things started moving again.
Andre L.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.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.
We underwrite the property, not the borrower. Because we lend from our own portfolio and approve loans in-house, we can offer terms and speed that broker-routed lenders can't match. No waiting on a wholesale bank to sign off.
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.
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.
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.
Buy a rental property qualifying on projected rent alone. No W-2s, no personal income verification. Close in 21 days.
→Pull equity from existing rentals to fund your next deal. Up to 75% LTV at DSCR rates, no income docs needed.
→Same DSCR program for non-resident investors. No US credit history required. Portfolio-funded direct approval.
→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.
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.
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.
In-house underwriting means no third-party delays. 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.
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.
We use the actual lease if the property is currently rented, or an appraisal's market rent estimate for vacant properties.
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.
Mon–Fri, 8 AM–6 PM ET
Response within one business day
→Takes about 10 minutes. No documents required upfront.
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