Qualify on rent · No personal income
A DSCR loan qualifies on the property, not on you. Debt Service Coverage Ratio compares the rent a property brings in to the payment it carries. If the rent covers the payment, the deal works — no tax returns, no W-2s, no DTI calculation.
That's why serious investors use DSCR: there's no limit on how many properties you can hold the way there is with agency financing, and you can close in an LLC to keep the asset structured properly.
Current guidelines. Overlays vary by investor, so treat these as the strike zone — not a hard rulebook.
DSCR ratio
1.0+ preferred (rent covers the payment); some programs go to 0.75 with a larger down payment
Down payment
20% minimum on purchases; 25% for best pricing
Credit score
660 minimum; strongest pricing at 720+
Income documentation
None — no tax returns, W-2s, or DTI calculation
Vesting
LLC, corporation, or personal name
Property types
1–4 unit residential, condos, short-term rentals, and 5–10 unit on select programs
Reserves
3–6 months of payments
Experience
First-time investors accepted on most programs
The rent qualifies the loan. Your tax return never enters the conversation.
Agency financing caps you at 10 properties. DSCR doesn't — this is how portfolios actually get built.
Vest title in your entity from day one instead of doing a risky post-close transfer.
We use market rent or documented STR income depending on which program fits the property best.
A 15-minute call. Real numbers, no credit pull required to start.
Use our calculator to see principal, interest, taxes, insurance, and PMI.
Open CalculatorSend us the address, rent estimate, and purchase price. We'll tell you if the DSCR clears — usually same day.
Steve Kent · NMLS #1621847 · Licensed in 22 states