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Debt Service Coverage Ratio (DSCR) Loan: Investor Cash Flow Mortgage

DSCR loans focus on the property's cash flow to determine eligibility, rather than personal income. This unique approach means that traditional documentation like paystubs, W-2s, or tax returns aren't required, making them ideal for investors who can’t qualify for conventional mortgages.

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DSCR Loan Requirements and Features

HomeAbroad is dedicated to providing real estate investors with flexible financing solutions, enabling you to focus on building your investment portfolio. Our DSCR (Debt Service Coverage Ratio) loans are designed with simplicity and investor-friendly terms, making them ideal for both seasoned and new investors to grow their real estate investment portfolio. Here are the key features and requirements to qualify for a HomeAbroad DSCR loan:

DSCR Ratio:
1 or higher
Credit Score:
620 or higher
Down payment:
LTV (Loan to Value):
Investment Experience:
At least 1 year (First investors may also qualify)
Cash Reserves:
6 to 12 months of mortgage payments, taxes, insurance, and HOA fees
Property Appraisal and 1007 Rent Schedule
Property Type:
Investment properties only (Residential and Commercial)
Loan Amount:
Interest Rates:
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Who Should Consider DSCR Loans?

If you're struggling to qualify for a conventional mortgage because you don't have the typical personal income documents like W-2s, paystubs, or tax returns, a DSCR loan might be the perfect solution.

  • Self-employed
  • Freelancers
  • Contract Workers
  • Business Owners
  • Realtors
  • Gig Economy Workers
  • Consultants

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DSCR Loans: Pros and Cons

  • No personal income verification

  • Flexible qualification compared to conventional mortgages

  • Faster application and approval

  • Finance multiple investment properties

  • Unlimited cash-out refinance

  • High down payment requirement

  • High interest rates

  • Only for investment properties

  • Not for fixer-upper properties

  • Higher closing costs

Why Choose HomeAbroad for DSCR Loans?

HomeAbroad is the go-to lender for DSCR loans because we understand real estate investors' unique needs. We offer customizable loan options, fast approvals, and a team of market experts to guide you through every step. Here's why you should choose HomeAbroad:

Investor-Centric Customization

HomeAbroad offers DSCR loans designed to meet the unique needs of real estate investors. We understand that no two investors are alike, which is why our loans are customizable to align with your specific investment strategy.

Fast Approvals

HomeAbroad uses a technology-enabled platform to streamline the DSCR loan approval process. This means you can apply online, get fast approvals, and seize investment opportunities without unnecessary delays.

Market Expertise

When you choose HomeAbroad, you're not just getting a loan; you're getting a team of experts. Our loan specialists have deep knowledge of market trends, property valuations, and the specific nuances of DSCR loans.


Hear from real estate investors who found success with HomeAbroad's DSCR loans.

“HomeAbroad made the DSCR loan process simple and stress-free. Their team understood my unique needs as a real estate investor.”

James Montgomery

“I was able to secure financing quickly thanks to HomeAbroad's efficient platform. They helped me expand my investment portfolio.”

Samantha Kingsley

“As a self-employed investor, I struggled with traditional loans. HomeAbroad's DSCR loan focused on my property's cash flow, and I got approved!”

Rajesh Patel

“The expert advice from HomeAbroad's loan specialists was invaluable. They guided me through every step of the DSCR loan process.”

Emily Thompson

“HomeAbroad's personalized service made a huge difference. I felt like they truly cared about my success as a real estate investor.”

Miguel Rodriguez

“The flexibility of HomeAbroad's DSCR loans was exactly what I needed. I was able to customize my loan to fit my investment strategy.”

Olivia Lewis

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DSCR Loans Information by Location

We offer DSCR loans across the United States. Choose your state to get started.

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Frequently asked questions

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