Key Features of DSCR Loans
- Qualification based on rental income, not personal income
- No tax returns or W-2s required in most cases
- Designed specifically for investment properties
- Works for short-term and long-term rental strategies
- Available for single-family, multi-family, and mixed-use properties
- Typically requires a larger down payment than conventional loans
- Can be used for purchase or refinance transactions
- Faster approval process than traditional investor loans
- DSCR ratios generally range from 0.75 to 1.25+ depending on the lender
- Often available to U.S. and foreign national investors
