DSCR Loans
Qualify on Rental Income, Not Tax Returns
Investment property loans with no W2s, no income verification. Qualify on rental cash flow with 1.0+ DSCR ratio, 20-25% down, 680+ credit.
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Investment Property
Why choose a DSCR loan
Finance investment properties without the paperwork hassle. Qualify on what matters — rental cash flow.
No Income Verification
Zero tax returns
No W-2s, no pay stubs, no tax transcripts. Perfect for self-employed investors, retirees, or anyone building a rental portfolio.
Qualify on Cash Flow
1.0+ DSCR ratio
As long as the rental income covers the mortgage payment (DSCR 1.0 or higher), you qualify. Property performance, not personal income.
Fast Approval
Close in 20–30 days
No waiting for tax transcripts or employment verification. Faster underwriting means you can close on deals quickly.
How it works
Get your DSCR quote
Chat with our AI specialist or fill out the quick form. We’ll calculate your DSCR ratio and confirm eligibility.
Provide property docs
Submit lease agreement (or market rent appraisal for vacant properties). No personal income docs needed.
Close & start earning
Sign loan documents and close in 20–30 days. Start collecting rent and building your portfolio.
DSCR Loan Requirements
Check these requirements to see if you qualify:
Ready to finance your next rental property?
Get your personalized DSCR quote in 60 seconds. No tax returns. No credit impact. No obligation.
DSCR Loan FAQs
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies you based on the property’s rental income, not your personal income. No tax returns, W-2s, or pay stubs required. DSCR is calculated as: Monthly Rental Income ÷ Monthly Mortgage Payment. A DSCR of 1.0 or higher means the property cash flows.
Do I need to show tax returns for a DSCR loan?
No! That’s the main benefit. DSCR loans require NO personal income verification. You qualify based solely on the property’s rental income. Perfect for self-employed investors, retirees, or anyone who doesn’t want to share tax returns.
What credit score do I need for a DSCR loan?
Most lenders require a minimum credit score of 680 for DSCR loans. Some lenders go as low as 660 with restrictions (higher down payment or rate). Excellent credit (740+) gets you the best rates.
How much down payment is required?
Typical down payment is 20-25% for DSCR loans. If your DSCR ratio is below 1.0 (property has negative cash flow), lenders may require 30% or more down. For refinances, expect a maximum LTV of 75-80%.
Can I use a DSCR loan for my first investment property?
Yes! DSCR loans are available for first-time investors. You don’t need prior landlord experience. As long as the property’s rental income supports the mortgage payment (DSCR 1.0+), you can qualify.
What if my DSCR is below 1.0?
DSCR loans are available down to 0.75 ratio with a larger down payment (typically 30%+). This is common for high-appreciation markets where rent doesn’t fully cover the payment, but investors bet on long-term value growth.
Can I get a DSCR loan in California?
Yes. LoanAll.com is a licensed California mortgage broker (CA DRE #01212512, NMLS #2787839) and specializes in DSCR loans throughout the state. Use Form Instead → for a free quote.
Quick DSCR Quote
Fill out the form below and we'll calculate your DSCR and send you a personalized quote.
LoanAll.com · CA DRE #01212512 · NMLS #2787839
Licensed California Mortgage & Real Estate Broker
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