DSCR
What Is a DSCR Loan?
DSCR loans qualify rental properties on cash flow. Here is how the ratio works and when investors use DSCR financing.
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Investor Knowledge Center
DSCR
DSCR Rental Loan Guides
Long-term rental financing qualified on property cash flow — purchase, rate-term refinance, and cash-out.
DSCR loans help investors acquire and hold rental property based on the property's income relative to its debt service — not personal W-2 documentation on every file.
These guides cover how the ratio works, when investors choose DSCR over conventional financing, and how purchase, rate-term, and cash-out paths differ.
Guides in this topic
Investor Fundamentals
How Real Estate Investors Use BRRRR Financing
Walk through Buy-Rehab-Rent-Refinance-Repeat and how private capital and DSCR takeout work together.
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Key terms
DSCR FAQ
What DSCR ratio do lenders typically look for?+
Many programs start around 1.0x minimum; 1.25x or higher is often considered stronger. Requirements vary by lender, property type, and program.
Can I close a DSCR loan in an LLC?+
Entity vesting is common for investment property. Confirm entity type, seasoning, and documentation requirements for your specific file.
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