DSCR loans · For real estate investors

Let the rent qualify the loan.

A DSCR loan qualifies on the property’s rental income instead of your personal income, so the loan itself usually needs no tax returns. Built for investors buying or refinancing rentals, short-term rentals included.

Share the property and see whether its rent covers the costs. No tax returns to start.

A row of brick apartment buildings with front stoops

What to know.

The essentials, in plain English.

Qualify on the property
The lender compares the rent with the property’s monthly costs instead of reading your pay stubs.
Usually no tax returns
Your personal returns usually aren’t needed, because the property’s income is what qualifies the loan.
Grow past your personal income
Each property qualifies on its own rent, so your next purchase isn’t held to the debt-to-income math of a conventional loan.
Investor-minded guidance
Your loan officer runs the rent, taxes, insurance and dues with you before you commit, and many investors can close in their LLC’s name.

What happens after you press the button.

Your loan officer reaches out
Andrew reads what you send personally and gets in touch to talk it through.
What you’ll talk about
The property, its rent or expected rent, its costs, and whether you’re buying in your name or an LLC’s.
What to have handy
The property’s address, its lease or expected rent, and its taxes, insurance and dues if you have them.
  1. A modern cedar home among ferns and tall evergreens

    Who it fits

    Investors who want a property to stand on its own income.

    • Investors buying rental homes
    • Owners refinancing a rental
    • Short-term rental owners
    • Self-employed investors whose tax returns understate their income
  2. A man working at a desk in his home office

    What you’ll need

    The property does most of the work. Your loan officer confirms the rest.

    • The lease, or a rent estimate from the appraiser
    • Your credit history
    • Proof of reserves
    • Your LLC documents, if you’re buying in its name

Common questions

What is a DSCR?

The debt service coverage ratio: the property’s rent divided by its monthly mortgage costs. Above 1 means the rent covers the costs.

Do I need tax returns?

Usually not for the loan itself, because the property’s income qualifies it. Expect to show the lease or a rent estimate, your credit and your reserves.

DSCR or a conventional investment loan?

A conventional investment loan uses your personal income and tax returns and is often priced lower. A DSCR loan qualifies on the rent instead. Your loan officer can compare both for your property.

Can I use a DSCR loan for a short-term rental?

Many programs accept short-term rental income, using the property’s rental history or a market rent estimate. Your loan officer can check which programs fit your property.

Can I buy in my LLC’s name?

Many DSCR loans let you take title in your LLC’s name, usually with a personal guarantee from you.

Can I live in the property?

No. DSCR loans are for investment properties only, not the home you live in.

What if the rent doesn’t cover the costs?

Some programs still lend when the ratio is below 1, usually with more reserves or a larger down payment. Your loan officer can show you the options.

How much do I need for a down payment?

Investment property loans usually ask for more down than a loan on the home you live in. It depends on the program, the property and your credit.

Will checking my options affect my credit?

Answering a few questions doesn’t check your credit. A credit check comes later, only with your permission, and your loan officer can explain how it may affect your score.

What does a DSCR loan cost?

DSCR loans are usually priced higher than loans on the home you live in, with the usual closing costs and an appraisal that includes a rent estimate. Your loan officer lists every cost before you commit.

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Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

“Tanner Orr was extremely helpful guiding me on my website and lead generation strategy. I have been a client for 18+ months and the website they put together for me is exactly what I need. I have some new ideas to work with and just paid for another year in advance because I'm super confident with what they can help me with. Thanks again Leadpops / Rebel IQ! Definitely will recommend them to others.”

ER

Eric Vander Werff4 months ago

“Tanner Orr at Rebel iQ has truly gone above and beyond for me. He helped me get started with my marketing during a very difficult time and worked with me when he easily could have treated me like just another customer. Tanner genuinely cares about my situation, my business, and helping me succeed. His patience, understanding, and support have meant more to me than he probably realizes. Because of how he has treated me and everything he has done to help me grow, I plan to continue working with him and Rebel iQ for a long time. I highly recommend Tanner to anyone looking for someone who truly cares about their clients.”

QU

Quang Tran2 months ago

“Jasper Coraza is hands down the most helpful support specialist. He is incredibly thorough in making sure he fully understands each request, and he consistently follows through with clear communication. He also does an excellent job of offering solutions when a specific request can’t be completed, rather than simply saying no.”

VI

Vivian Shlemon7 months ago

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JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

“Tanner Orr, is the Best! Very knowledgeable and super helpful. He is also very patient and understanding. He has many qualifications. Too many for me to list at the moment now. I definitely recommend his services to anyone looking for a hard-working true professional in the digital marketing space, managing client relationships, building ad strategies and much more!”

JO

John Roberts5 months ago

“I've been a customer of LeadPops/RebelIQ for the past few years for my mortgage broker team website. Jasper Coraza and the development team are always very helpful and accommodating every time I need an update, and their rates are reasonable too. Recently Tanner Orr proactively reached out to me to offer a couple of awesome upgrades at no charge. I'm really thankful to have Tanner, Jasper, and the whole LeadPops team in my corner. Keep up the great work guys!”

TO

Tom Pessemier5 months ago

Buy the next rental
on its own numbers.

Bring Andrew your next property, and run its numbers together before you commit.

(619) 886-6985