DSCR

Investment financing focused on a property’s rental cash flow.

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How it works

DSCR loan overview

Debt Service Coverage Ratio loans evaluate an investment property’s expected or existing rent against the proposed housing payment. Program details differ among lenders.

Who may want to explore it

Investors who want a property-focused qualification review.

Features to review

A rent analysis may reduce reliance on personal income documents.
Some programs allow eligible entity ownership.
Purchase and refinance options may be available.

Before you decide

Down payment, reserves, and rates can differ from conventional loans.
Rental income, appraisal, occupancy, and entity rules require review.

Compare the whole cost.

Ask for a personalized estimate with the rate, APR, monthly payment, cash to close, and program-specific fees. Terms and approval depend on your loan and lender review.

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