TheLenderDirectory
📊

DSCR Loans

Qualify based on property cash flow, not personal income

Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation.

Find DSCR Lenders →
Loan Range
$100K – $5M
Typical Rate
7.0% - 9.5%
Down Payment
20-25%
Term
30 years
Closing Time
2-4 weeks

🎯 Best For

  • • Real estate investors
  • • Portfolio builders
  • • Self-employed borrowers
  • • Foreign nationals

✅ Advantages

  • ✓ No personal income verification
  • ✓ Unlimited properties
  • ✓ Fast closing
  • ✓ LLC/entity vesting allowed

⚠️ Considerations

  • • Higher rates than conventional
  • • Larger down payment
  • • Prepayment penalties common
  • • Minimum DSCR ratio required (typically 1.0-1.25)

DSCR Loan Requirements

  • ✓ Minimum credit score: 620-680
  • ✓ DSCR ratio ≥ 1.0
  • ✓ Down payment: 20-25%
  • ✓ Property must be investment (not owner-occupied)

Top DSCR Lenders

43 lenders offer dscr loans nationwide.

A&D Mortgage

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

Nationwide
View →

Angel Oak Mortgage Solutions

Atlanta, GA

Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.

$100K – $2M Nationwide
View →

Civic Financial Services

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M Nationwide
View →

CoreVest Finance

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M Nationwide
View →

CrossCountry Mortgage

Cleveland, OH

Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.

Nationwide
View →

Defy Mortgage

FL

DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.

$100K – $3M Nationwide
View →

Easy Street Capital

Austin, TX

Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.

$75K – $5M Nationwide
View →

Griffin Funding

CA

Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.

$100K – $5M Nationwide
View →

Find DSCR Lenders by State

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

DSCR Loans FAQ

What is a good DSCR ratio? ▼
Most lenders want a DSCR of at least 1.0, meaning the property's income covers the debt payments. A DSCR of 1.25+ gets you better rates and terms.
Can I get a DSCR loan with no money down? ▼
No. DSCR loans typically require 20-25% down. Some lenders may accept cross-collateralization to reduce cash needed.
Do DSCR loans show on my credit report? ▼
It depends on the lender. Some report to credit bureaus, others don't. Ask your lender before closing.
Can I use a DSCR loan for a short-term rental? ▼
Yes. Many DSCR lenders accept Airbnb/VRBO income. They typically use projected rental income from platforms like AirDNA or actual booking history.

Are you a lender offering dscr loans?

Aloan helps commercial lenders underwrite DSCR deals faster with AI-powered analysis. Reduce turnaround from weeks to minutes.

Exploring loan origination systems? Browse the LOS Directory.

Learn About Aloan →

Find DSCR Lenders for Your Deal

Tell us about your property and we'll match you with lenders offering dscr loans.

Get Matched — Free →