Debt Service Coverage Ratio loans for real estate investors. No personal income verification required - qualify based on rental income.
At Equitable Lending, we specialize in offering DSCR loans—a smart financing solution tailored for real estate investors who want to qualify based on property cash flow, not personal income.
Understanding the fundamentals
A DSCR loan is a type of real estate investment loan that measures a property's ability to cover its debt through rental income. Instead of focusing on your W-2s, tax returns, or personal debt-to-income ratio, lenders assess the Debt Service Coverage Ratio (DSCR) to determine loan eligibility.
A DSCR of 1.0 means the property generates just enough income to cover its debt.
A DSCR of 1.25 or higher is generally considered strong and preferred by lenders.
DSCR loans offer unique advantages for real estate investors looking to expand their portfolios efficiently.
Ideal for self-employed investors or those with complex finances. Streamline your application process without traditional income documentation.
Approval is based on the rental income your property produces, allowing you to leverage property performance rather than personal finances.
Streamlined documentation means faster approvals and closings, helping you secure properties in competitive markets.
Great for investors looking to acquire multiple properties with less red tape and more efficient qualification processes.
Perfect candidates for DSCR loans
DSCR loans are ideal for:
New or seasoned investors looking to grow their rental property portfolio
LLCs, corporations, or partnerships investing in rental properties
Long-term or short-term rental properties (Airbnb, VRBO, etc.)
Typical guidelines for qualification
| Requirement | Typical Guideline |
|---|---|
| Minimum DSCR | 1.0 (some lenders accept lower) |
| Property Type | 1-4 unit residential rental |
| Credit Score | 620+ (higher for better rates) |
| Down Payment | 20–25% typical |
| Loan Purpose | Purchase, refinance, cash-out refinance |
Expand your financing options
We even can help with DSCR 2nd Position Mortgages!
Maximize your investment potential with additional financing options tailored to your portfolio strategy.
Our team at Equitable Lending is here to guide you through the DSCR loan process from start to finish. Whether you're acquiring your first rental or expanding your real estate portfolio, we'll structure the financing that fits your strategy.
From first-time homebuyers to seasoned real estate investors, we provide tailored financing solutions for every stage of your property journey.
Our expert loan advisors will help you find the perfect financing solution regardless of your situation or experience level.
Calculate your DSCR loan payments and analyze cash flow for investment properties. Perfect for real estate investors seeking rental income financing.
Ready to secure your DSCR investment loan?
*DSCR calculator provides estimates based on rental income projections. Actual qualification may vary based on property appraisal, rent rolls, and lender requirements. DSCR loans require minimum 1.0 ratio for most lenders.
From traditional mortgages to specialized investment loans, we offer comprehensive financing solutions to meet your unique needs.
Expert assistance in securing your dream home with easy financing options.
Unlock better terms on existing loans and save money with our refinancing options.
Convert home equity into cash with flexible payment options tailored for you.
Access additional funds with our second loan options and Home Equity Lines of Credit.
Specialized financing for first-time homebuyers and veterans to make homeownership achievable.
Flexible credit options for those who don't fit the traditional lending criteria.
Offering a range of lending solutions both for individual customers and businesses.
Bring us your lender's offer, and we'll work to provide a better deal for you.
Our experienced loan advisors are here to help you find the perfect financing solution for your unique situation.
Ready to discuss your DSCR loan options? Our expert team is here to help you secure the perfect investment property financing.
Connect with our DSCR loan specialists today and take the next step toward expanding your investment portfolio.
2824 South Robertson Boulevard
Los Angeles, CA 90034
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