What Is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is a no-income-verification loan that qualifies borrowers based on the property's rental income vs. expenses. If the rental income can cover the mortgage payment (typically a DSCR of 1.0 or higher), you may qualify-even if you're self- employed or have complex finances

DSCR Loans

  • DSCR Loan Highlights:

  • Loan amounts up to $3,500,000 for qualified borrowers

  • Up to 85% financing for purchase or rate/term refinance

  • Up to 75% financing for cash-out

  • Minimum 620 credit score

  • 1–4 unit properties and condos permitted

  • Non-warrantable condos OK

  • Airbnb & VRBO properties eligible

  • Unlimited number of financed properties

  • Gift funds allowed for down payment

  • Leasehold properties eligible

  • Interest-only payment options available

  • Qualify using rental income — not personal income or tax returns.

  • No tax returns or W-2s required

  • Close in as little as 2-3 weeks

  • Qualify based on rental income (not personal DTI)

  • Available for short-term and long-term rentals (including Airbnb)

  • Ideal for portfolio growth and cash-flowing properties

Perfect For

  • Real estate ianvestors with multiple properties

  • Self-employed or non-traditional income earners

  • Buyers building rental portfolios (single-family, multifamily, condos)

  • Turnkey property buyers and Airbb operators

Let's Get You Approved

If you're ready to take the next step toward building or expanding your rental property portfolio with a DSCR loan, I'm here to help.

Location

: 24661 E Park Crescent Dr, Aurora, CO 80016, United States

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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.

A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov

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