A DSCR (Debt Service Coverage Ratio) loan is a real estate investor loan that qualifies based on the income produced by the property—not your personal W-2 income.

No. Qualification is based primarily on the property’s projected or current rental income.

Typically 1–4 unit residential properties, including long-term rentals and some short-term rental strategies.

Requirements vary by lender, but most programs require a minimum credit score (often 620–680+).

In many cases, yes. However, strategy, down payment, and deal structure matter. We guide you through preparation before applying.

Down payments typically range from 20–25%, depending on LTV and program guidelines.

Many DSCR programs include prepayment penalties, but options vary. We review terms before you move forward.

No hard credit pull occurs without your authorization.