DSCR Rental Loan FAQs – Your Guide to 30-Year Investor Financing
Whether you’re refinancing out of hard money or building a rental portfolio, these 20 questions tackle everything landlords and BRRRR investors ask about Debt Service Coverage Ratio (DSCR) loans.
Frequently Asked Questions
What is a DSCR loan?
A DSCR loan qualifies you based on rental property cash flow rather than personal income or tax returns.
How is DSCR calculated?
DSCR is rental income divided by PITIA (principal, interest, taxes, insurance, and association dues). A ratio of 1.25 or higher is ideal.
What credit score is needed for a DSCR loan?
Most lenders require at least a 620 credit score, with better terms available at higher scores.
Do DSCR loans require tax returns?
No. DSCR loans are cash‑flow based and do not require personal income documentation or tax returns.
What properties qualify for DSCR loans?
DSCR loans are available for 1–4 unit residential rental properties nationwide.
How fast can I close?
Most DSCR loans close in 14 days, with approvals issued in 30 minutes.
Do you lend to LLCs?
Yes. All DSCR loans can be closed in LLCs or other business entities.
Do you work with first‑time investors?
Yes. Whether you’re new to real estate or experienced, we provide flexible DSCR loan options.
