DSCR Loans Hub

A DSCR loan is an investment property loan that allows US and foreign investors to qualify based on the property’s income instead of their personal income.

No W2s, Paystubs, or Tax Returns Required

No DTI (Debt-to-Income) Ratio Required

No US Credit Check for Global Investors

Unlock Property Potential with Income-driven Financing

Traditional mortgages often have strict requirements that can make it difficult for investors to secure financing. DSCR loans unlock new potential by focusing on the property's income, eliminating the need for personal income verification.

Can I get a mortgage loan without income proof?

Yes, a DSCR loan allows you to qualify for a mortgage based on the property's rental income, so personal income proof isn't required.

Can I get a mortgage with high DTI?

Yes, with a DSCR loan, your debt-to-income (DTI) ratio is not considered, as the loan is based on the property's rental income, not your personal finances.

Can I get a loan on rental income?

Yes, a DSCR loan allows you to qualify based on the rental income of the property, making personal income verification unnecessary.

DSCR (Debt Service Coverage Ratio) Loan Basics

Let’s explore what DSCR is and how it works to simplify property financing based on rental income

What is DSCR?

DSCR, or Debt Service Coverage Ratio, is a financial metric that compares a property's rental income to its mortgage payments, used to determine if the property generates enough income to cover its loan obligations.

How is DSCR Calculated?

DSCR is calculated by dividing the property's gross rental income by its total monthly debt obligations, known as PITIA (Principal, Interest, Taxes, Insurance, and Association fees).

DSCR Calculator

Use the DSCR calculator to quickly determine if your property's rental income can cover its loan payments.

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Qualify for a DSCR Loan

Discover the requirements to qualify for a DSCR loan and access helpful resources for your financing journey

DSCR Loans: What It Is & How to Apply in [2024]

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DSCR Loan Interest Rates Today [October, 2024]

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DSCR Loan Refinance [2023]: Complete Guide to DSCR Refinancing

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Pre-qualify for a DSCR Loan

No personal income verification. No US credit check for global investors.

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DSCR Loan Use Cases

DSCR loans are an effective way to finance various properties, helping you achieve your investment goals with ease.

How to Get DSCR Loans for Airbnb? 5 Easy Steps

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DSCR Loan for Multifamily Property [2024]: How to Qualify?

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DSCR Loan in Texas: Qualify with Rental Income [2024]

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HomeAbroad DSCR Loans Across the Nation

Here are state-specific DSCR loan guides. If you don't see your state's guide, don't worry—it's on the way! This doesn't mean we don't serve your state; click the "Get Started" button to get started.