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 →What short-term loan usually comes before a DSCR refinance?
Many DSCR borrowers are refinancing a property they bought with a bridge loan or a hard money loan. If you are deciding which short-term lender to call first, start with our bridge vs. hard money breakdown, then compare it with the refreshed bridge-to-DSCR strategy guide. It covers the takeout issues that actually change proceeds: seasoning, appraisal rent support, rate-lock timing, and cash-out rules.
If you are already pretty sure DSCR is the right takeout, read the full DSCR loans guide before you lock a lender. It breaks down where published DSCR floors usually sit, how reserve requirements move, what changes on short-term rentals, and why quotes get repriced after the appraisal or insurance quote comes back.
🎯 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)
What are the requirements for DSCR loans?
- ✓ Minimum credit score: 620-680
- ✓ DSCR ratio ≥ 1.0
- ✓ Down payment: 20-25%
- ✓ Property must be investment (not owner-occupied)
Who are the 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.
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.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
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.
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.
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.
Frequently asked questions about dscr loans
What is a good DSCR ratio? ▼
Can I get a DSCR loan with no money down? ▼
Do DSCR loans show on my credit report? ▼
Can I use a DSCR loan for a short-term rental? ▼
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