For Real Estate Investors
Qualify on Rental Income — Not Your W-2
No tax returns. No employment verification. Grow your rental portfolio faster by letting the property’s income do the qualifying.
660+
Min. Credit Score
20%
Min. Down Payment
21-30 Days
Avg. Close Time
Unlimited
Properties to Finance
What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is an investment mortgage that qualifies you based on the income the property generates—not your personal tax returns or W-2s.
It’s the ultimate tool for self-employed investors, business owners, and anyone looking to scale their portfolio without the red tape of traditional financing.
Who It's Built For
- Self-employed business owners
- Investors with high tax write-offs
- Retirees without traditional W-2 income
- First-time investors with no landlord history
- Experienced pros scaling beyond 10 properties
What It Covers
- Single-family rentals (1–4 units)
- Condos and townhomes
- Short-term rentals (Airbnb/VRBO)
- Multi-unit investment properties
- Cash-out refinances on existing rentals
The Math Behind DSCR
DSCR = Gross Monthly Rent ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA)
| Monthly Rent | PITIA Payment | DSCR Ratio | Lender View |
|---|---|---|---|
| $1,400 | $1,600 | 0.88 | Below Break-Even |
| $1,600 | $1,600 | 1.00 | Break-Even ✓ |
| $2,000 | $1,600 | 1.25 | Strong ✓✓ |
| $2,400 | $1,600 | 1.50 | Excellent ✓✓✓ |
Rent Source Options
Lenders accept either an existing lease or the appraiser’s market rent estimate. You can even close on vacant properties.
Minimum Ratio
Most lenders look for 1.0+, but some programs allow lower ratios for borrowers with strong credit profiles.
Short-Term Rentals
For Airbnb/VRBO, we can often use AirDNA data or market STR estimates to qualify your next vacation rental.
Which Loan Is Right for You?
Comparing DSCR to common alternatives for investors.
| Feature | DSCR Loan | Conventional | Bank Statement |
|---|---|---|---|
| Income Verification | Property Rent Only | W-2 / Tax Returns | 12–24 Bank Statements |
| Max Properties | Unlimited | 10 (Standard Cap) | Typically Unlimited |
| LLC Vesting | ✓ Yes | ✗ No | Varies |
| Min. Down Paymen | 20–25% | 15–25% | 20–30% |
| Closing Speed | 21–30 days | 21–30 days | 21–30 days |
The DSCR Loan Process
Most closings take 21–30 days. Here’s how we get you there.
01 Strategy Consultation
We discuss your investment goals and property type. No hard credit inquiries at this stage—just pure strategy.
02 Lender Shopping
We work for you, not the banks. We shop multiple DSCR lenders to find the best rate and term structure for your deal.
05 Minimal Documentation
Skip the tax returns. We only need ID, entity docs, and property info. It's the most streamlined application in the industry.
04 Appraisal & Rent Schedule
A licensed appraiser confirms the value and market rent (Form 1007). This market rent drives your qualification.
05 Fast Underwriting
Because we skip personal income verification, underwriting is lightning fast—often completed in 7-10 business days.
06 Clear to Close
Once approved, we fund your deal. Most investors go from application to keys in just 21-30 days.
Ready to Scale Your Portfolio?
Get your free consultation with no credit check required. We’ll walk through your goals and present your best financing options.
- KYLE JESSEE LENDING TEAM
- MOVEMENT MORTGAGE
184 Duke of Gloucester St Suite 1B, Annapolis, MD 21401
NMLS #1212644 | Kyle.Jessee@movement.com