Debt Service Coverage Ratio (DSCR) Loan

“Unlock property potential with income-driven financing”

HomeAbroad’s DSCR Loan is ideal if you prefer not to use personal income for qualification. It features a straightforward and speedy approval process, focusing on your property’s cash flow positivity to qualify you.

Get Rate Quote

Excellent

No W2s, Paystubs, or Tax Returns Required

No Personal Income Verification

No Minimum DTI (Debt-to-Income) Required

No US Credit Check for Foreign Investors

Program Features

Features	Domestic Investors	Foreign Investors
DSCR Ratio	1 or Higher (No Ratio DSCR Program Available)	0.75 or higher
Credit Score	Minimum 620	No US credit needed
Down Payment	20%	25%
LTV Ratio	Up to 80% for Purchase and Rate/Term Refinance, Up to 75% for Cash Out Refinance	Up to 75% for Purchase and Rate/Term Refinance, Up to 70% for Cash Out Refinance
Cash Reserves	2 months	6 months
Property Use	Investment properties (residential and commercial)	Investment properties (residential and commercial)
Loan Amount	$75K – $10M	$75K – $10M

Get a DSCR Loan in 5 Quick Steps

Submit Your Basic Details

Talk to Our Loan Officers

Find the Right Investment Property

Apply for a DSCR Loan

Secure Your Loan Approval

Get Started

Why HomeAbroad Loans?

Investor Focused

HomeAbroad Loans specializes in serving both domestic and international investors, providing tailored solutions that cater to the unique needs of a diverse clientele.

Fast Approvals

Our advanced technology platform streamlines the loan application process, allowing for faster approvals in under 30 days.

AI-Enabled Platform

Our AI-powered platform allows investors to search for properties, connect with international real estate experts, and qualify for mortgages without a US credit history—all in one place.

What Our Clients Say

Excellent

Quick and Trustworthy

“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”

Rashmi Mayekar

Non-US Resident Investor

Seamless Experience

“When we thought about getting a loan, we expected a lot of hassle, being a non-resident. But with HomeAbroad, the process was much easier than I ever imagined. Thanks to Steve.”

Mei Ling Zhang

Non-Resident Chinese Investor

Definitely Recommended

“The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.”

Chris Envall

Non-Resident Buyer

Definitely Recommended

“My wife and I wanted a home in the US to be closer to our grandkids. HomeAbroad helped us find the perfect home and secure financing without US credit. Michele guided us every step. We couldn’t be happier!”

Thomas Van Zyl

US Newcomer on Immigrant Visa

Definitely Recommended

“The service I received was top notch. I greatly appreciate the high level of customer care, prompt follow ups and clear explanation of each process.”

Chris Envall

Non-Resident Buyer

Quick and Trustworthy

“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”

Rashmi Mayekar

Non-US Resident Investor

Game-changer

“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”

Steve Papadakis

Newcomer on H1-B Visa

Clear Guidance for Non-Residents

“Navigating the US mortgage market as a non-resident seemed daunting, but HomeAbroad Loans made it straightforward and clear. They provided excellent support throughout.”

Mason Delgado

UK Investor without a Visa

Ready to Join Our Happy Family of Satisfied Clients?

FAQs

Didn’t find what you were looking for? Explore our DSCR loan resource library.

DSCR Loan Guides

What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors. Unlike conventional loans that require personal income verification, DSCR loans focus on the cash flow from your investment property. Learn more in our DSCR loan guide.

How is DSCR calculated?

DSCR is calculated by dividing annual gross income by PITIA (Principal, Interest, Taxes, Insurance, and HOA). This ratio indicates a property’s ability to cover its debt obligations. Use HomeAbroad Loans’s DSCR calculator to find out your ratio and check your eligibility for a DSCR loan.

How does a DSCR loan work?

DSCR loans work by assessing a property’s income potential. The property’s income should be equal to or greater than its mortgage payments, taxes, insurance, and HOA. We also accommodate cases with lower property incomes. Visit our detailed DSCR loan guide for more information.