DSCR Loans: Let the Property Qualify, Not Your Paycheck
A DSCR loan qualifies you on the property's rental income instead of your paycheck — no tax returns, no W-2s, no pay stubs. Even a property that doesn’t fully cover its own payment can still close — there is no minimum ratio you have to hit.
Talk to Andrew About DSCR LoansWhat a DSCR Loan Is
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies you on the property's income instead of yours. No tax returns, no W-2s, no pay stubs. The core question is how the property’s income compares to the payment — and there is no minimum ratio you are required to hit.
DSCR = monthly rent ÷ monthly payment (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means the rent exactly covers the payment. There is no minimum ratio required — Andrew works with no-ratio and sub-1.0 programs, so a property that doesn’t fully cover its payment can still close, often with a larger down payment or added reserves.
How It Works
Gather Your Property Documents
Provide the lease (or let the appraiser establish market rent), an insurance quote, entity documents if you're buying in an LLC, and authorize a credit check — a fraction of the paperwork a conventional investment loan requires.
Andrew Calculates Your DSCR
Andrew divides the property's monthly rent by the full monthly payment — principal, interest, taxes, insurance, and HOA — to find your Debt Service Coverage Ratio and see which programs may fit.
Get Pre-Approved and Shop
With a DSCR pre-approval in hand, you can move on investment properties with confidence, often closing in an LLC or entity name.
Compare Your Options and Close
DSCR pricing typically runs a bit higher than conventional financing, and down payment requirements are stiffer. If you can document income conventionally, Andrew runs both paths and shows you the difference — sometimes conventional wins, sometimes the speed and simplicity of DSCR is worth it. That comparison happens before he recommends anything.
Qualify on Rental Income
The lender looks at the actual lease or market rent from the appraisal — not your personal income documents or employment history.
No Personal Income Documents
No tax returns, no W-2s, no pay stub verification required. The property's income does the qualifying.
Purchases, Refinances, and Cash-Out
Available for purchases and refinances, including cash-out on properties you already own.
Close in an LLC or Entity Name
Most DSCR programs can typically close in an entity name — common for investors scaling a portfolio.
30-Year Fixed and Other Terms
30-year fixed and other term options are typically available; short-term rental income may be considered on some programs.
Built for Growing Portfolios
Designed for investors scaling past conventional financed-property limits, or whose tax returns don't tell the whole story.
Typical Qualification Parameters
This Loan Is Perfect For...
Let the Rent Do the Talking
Want to see whether a property covers its own payment? Run it through my mortgage calculator in about a minute, or answer ten quick questions and I'll tell you which loan direction looks strongest — no credit pull.
Start Your DSCR Pre-Qual
