Investor / DSCR
The property qualifies, not your W-2. Scale your portfolio without hitting a DTI wall.
DSCR (debt service coverage ratio) loans underwrite an investment property on its own rental income compared to its payment. If the rent covers the mortgage, you're most of the way there — no tax returns, no personal debt-to-income calculation.
We close DSCR loans for first-time investors and for portfolio buyers on their tenth property alike, in Arizona, Utah, and beyond, including in an LLC.
Three steps, start to keys.
Run the ratio
Rent (actual or market) ÷ proposed payment. We'll show you what DSCR the deal supports.
Price it
DSCR pricing depends on ratio, LTV, credit, and prepay terms — we shop all four.
Close & repeat
A clean process you can run again on the next property.
The questions that come up.
What if the DSCR is below 1.0?
Some lenders allow it with a lower LTV or higher rate. We'll tell you honestly what the deal supports.
Can I use short-term rental income?
Yes, several lenders accept AirDNA or 12-month STR history.
Is there a prepayment penalty?
Often, and it's a lever: accepting one lowers your rate. We'll model both.