Qualify on the property's income, not yours.
A DSCR loan uses a rental property's cash flow to qualify — not your personal tax returns or W-2s. No cap on the number of financed properties. Available in California, Arizona, Colorado, Nevada, Tennessee, and Washington.
The math lenders actually use
DSCR stands for Debt Service Coverage Ratio — it's the property's monthly rental income divided by its monthly mortgage payment. A ratio of 1.0 means the rent exactly covers the payment; higher is stronger.
1. Property cash flow
We use market or in-place rent, not your W-2 or tax returns, to qualify the loan.
2. DSCR ratio calculated
Rent ÷ mortgage payment (PITIA). 1.0+ is standard; some lenders go as low as 0.75 with a rate adjustment.
3. Close & scale
No cap on financed properties — add DSCR loan after DSCR loan as you grow your portfolio.
Common DSCR loan questions
What DSCR ratio do I need to qualify?
Most programs want 1.0 or higher — rent covers the full mortgage payment. Some lenders allow ratios as low as 0.75 with a rate adjustment.
How many DSCR loans can I get?
No cap — unlike conventional investment financing, which limits the number of financed properties.
What down payment does a DSCR loan require?
Typically 20–25%, depending on the property's DSCR ratio, credit profile, and loan amount.
Is a DSCR loan available in California?
Yes — DSCR loans are available in California and every state we're licensed in: Arizona, Colorado, Nevada, Tennessee, and Washington.
Not an investor? See what else fits.
Ready to run the numbers on your next rental?
Real numbers in 3 minutes. No obligation.