DSCR Loans — Qualify Based on Property Cash Flow
Finance your investment property using rental income and property performance, not personal income documents.
DSCR loans are designed for real estate investors purchasing or refinancing income-producing properties.
Qualify Using Rental Income
The property's income, not your paystub, drives approval.
No Traditional Income Documents
No W-2s, tax returns, or employment verification.
Investor-Focused Programs
Built for portfolio growth, not owner-occupants.
Multiple Property Types
Single-family, condo, and small multi-unit rentals.
Why Investors Work With Loan Factory
Loan Factory helps investors compare DSCR loan options across multiple lenders, rather than pushing a single program.
Nationwide wholesale lender access
Side-by-side comparison
No hidden fees
Support through closing
Fast, Reliable, and Expert Service
Our team delivers quick, dependable service with honest, expert advice every step of the way.
DSCR Loan Options for Every Investor
We specialize in DSCR financing, matching your property's cash flow with the right program from our lender network.
A Supportive Partner From Start to Finish
From property review to closing, we're here to guide you and make the process simple and transparent.
See DSCR Loan Options for Your Property
Answer a few quick questions about your property to see which DSCR loan programs may fit your situation.
Understanding DSCR Loans
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a non-QM mortgage for real estate investors.
Instead of reviewing personal income, lenders evaluate whether the rental income from the property can reasonably cover the mortgage payment.
DSCR compares: Monthly rental income ÷ total monthly housing payment.
Qualification is based on property cash flow
No traditional debt-to-income (DTI) calculation
Often available to individuals, LLCs, or trusts (program dependent)
Designed for investors purchasing or refinancing rental properties
Why Investors Choose DSCR Loans
Cash-Flow Focused Approval
Qualification is based on the property's rental income.
Simplified Documentation
No tax returns or personal income verification.
Built for Investment Properties
Programs designed specifically for rental real estate.
Flexible Use Cases
Purchase, refinance, or cash-out on rental properties.
Nationwide Availability
DSCR programs available across licensed states.
Eligibility
Investment Property Only
DSCR loans are for non-owner-occupied rental properties.
Rental Income Required
Current or projected market rent on the property.
DSCR Ratio
Typically ~0.75–1.0+ depending on the program.
Credit Profile
Minimum scores often start around 620–660.
Ownership Structure
Available to individuals, LLCs, or trusts, program dependent.
Not Sure If You Qualify?
DSCR eligibility depends on the property's cash flow — a quick review helps confirm which programs fit.
Submit basic property details
Tell us about the property and its rental income.
We review available DSCR options
We match your scenario against lender programs and ratios.
You get clear guidance
Get clear next steps, with no pressure to proceed.
How DSCR Loans Work
Four simple steps from first details to funding.
Get Started
Tell us about the property and your financing goals.
Quick StartProperty Cash Flow Review
We review the rental income against the proposed payment.
Fast ReviewCompare DSCR Options
See programs side by side from our lender network.
Clear OptionsMove Forward If Ready
Lock in your rate and move toward closing.
No PressureWhat Our Clients Say
I would give Lucy and Kimberly 6 stars if I could, because 5 stars simply aren’t enough to describe how amazing they are ⭐⭐⭐⭐⭐⭐ A huge thank you to Lucy and my agent, Kimberly, for their incredible support throughout my home-buying journey! Both of them were absolutely wonderful. They were patient, knowledgeable, dedicated, and genuinely caring. They guided me through every step, answered all my questions, and went above and beyond to make sure everything went smoothly. Buying a home can be stressful, but having Lucy and Kimberly by my side made the entire experience so much easier and more enjoyable. I’m truly grateful for their hard work, time, and dedication in helping me make my dream of owning a home come true. If you’re planning to buy a home, I highly recommend Lucy and Kimberly. You will be in the best hands! Thank you both from the bottom of my heart. You deserve more than 5 stars!
If you are in need of a realtor Roberto Soto is the one for you. 10/10 experience! Roberto made our first home purchase come true he was always available to answer any questions and help out with anything. He made our closing process easy as could be, we couldn’t have asked for a better realtor than Roberto. Loan Factory is the way to go!
Thank you, Amilia and Evelyn, for helping my sister throughout the process! This is not first time working with Amilia, everything went smoothly. We truly appreciate your support, and excellent service.
Frequently Asked Questions
Get answers to common questions about DSCR loans.
What does DSCR stand for?
DSCR stands for Debt Service Coverage Ratio, which compares rental income to the mortgage payment.
Do I need tax returns for a DSCR loan?
Typically no. Qualification is based on property income rather than personal income.
Can I use an LLC?
Many DSCR programs allow LLC ownership, depending on lender guidelines.
What properties qualify?
Most programs support single-family homes, condos, and small multi-unit properties.
Is this for primary residences?
No. DSCR loans are designed for investment properties only.
Ready to Qualify on Property Cash Flow?
Get matched with DSCR loan options built around your property's rental income, not your personal income.