Qualify in minutes using the property's income. Perfect for self-employed investors.
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.
Zero tax returns. Zero W-2s. Zero pay stubs. Ideal for self-employed investors who write off everything.
No 10-property cap like traditional lending. Scale your portfolio as far as the cash flow takes you.
Your personal DTI is irrelevant. If the property cash flows, you qualify — it's that straightforward.
Liability protection from day one. Keep your portfolio properly structured under the right entity.
"Self-employed, my tax returns are a mess on purpose. Bought 3 rentals in 2024 using DSCR. Property 1: $380k duplex, rents for $3,100, mortgage is $2,400, DSCR 1.29. Property 2: $420k triplex, rents $4,200, mortgage $2,900, DSCR 1.45. Property 3: $295k SFH, rents $2,400, mortgage $1,950, DSCR 1.23. Bedrock Mortgage didn't ask for a single tax return or W2. Just 20% down and appraisals. Game changer."
"Hit the Fannie Mae limit at 4 conventional loans. Traditional lenders said no more. Switched to DSCR, bought 6 more properties in 18 months. Portfolio now: 10 doors, $18,400/month gross rent, $12,200/month in mortgages. Net cash flow after expenses is around $4,200/month. Quit my W2 job in March. Living off rental income. DSCR loans made this possible."
"Bought a 4-plex for $565k, 25% down ($141,250). Rents: $1,100 x 4 units = $4,400/month gross. Mortgage is $3,150/month. DSCR = 1.40. Insurance and taxes are $680/month, so I net about $570/month cash flow. Not huge but property's appreciating and tenants are paying down my mortgage. No tax returns, no income verification. Just showed the rent roll and appraisal."
You write off expenses to minimize taxes, which lowers your stated income. DSCR loans don't care about your personal income.
Already own 4+ financed properties? Traditional lenders cap you. DSCR loans have no limit on how many properties you can finance.
Invest in US real estate without US credit history or tax returns. Property cash flow is all that matters for qualification.
Already maxed out on debt-to-income ratio? DSCR loans don't consider your personal DTI, only the property's cash flow.
Most lenders require a minimum DSCR of 1.0-1.1, meaning rental income covers or slightly exceeds the mortgage payment. Ratios of 1.25+ get better rates. We can work with ratios as low as 0.75 in some cases with larger down payments.
We use the actual lease agreement if the property is currently rented, or an appraisal's market rent estimate for vacant properties. Short-term rental income can also qualify using 12-24 months of Airbnb/VRBO statements.
Minimum credit score is typically 680 for DSCR loans, though 700+ gets better rates. Higher DSCR ratios may allow lower credit scores. We review your full financial profile to find the best option.
Talk to a DSCR specialist who can calculate your ratio and structure your loan.
No tax returns. No income verification. Just rental cash flow.