DSCR Loan (Debt Service Coverage Ratio Loans) Options
Receive a quote on a DSCR loan today.
Smart financing designed for real estate investors.
A DSCR Loan—short for Debt Service Coverage Ratio Loan—is a powerful, investor-focused mortgage that qualifies you based on the cash flow of the property, not your personal income. This makes DSCR loans ideal for rental property investors, house hackers, and anyone expanding their real estate portfolio.
Instead of verifying employment, tax returns, or personal DTI, a DSCR loan looks at how much rental income the property generates compared to the mortgage payment. If the property pays for itself, you may qualify—simple, fast, and investor-friendly.
Call or text Staci today to discuss your ARM options:
937.478.4487
Email: scasey@nexamortgage.com
How DSCR Loans Work
Lenders calculate a ratio using this formula:
DSCR = Rental Income ÷ Monthly Mortgage Payment
Example:
If a property rents for $2,000 per month and the mortgage payment is $1,600, the DSCR is 1.25, which meets most lender guidelines.
Higher DSCR = stronger cash flow = stronger loan terms.
Some programs also allow DSCR values below 1.0 (meaning the property may not fully cover the payment), creating more flexibility for high-appreciation or short-term rental markets.
Benefits of DSCR Loans
No Personal Income Documentation Required
No W-2s, pay stubs, tax returns, or employment verification.
Fast Approvals & Streamlined Funding
Ideal for investors who need quick closings in competitive markets.
Use Long-Term or Short-Term Rental Income
Qualify using traditional leases or Airbnb/VRBO projections.
Multiple Property Ownership Allowed
Finance one property or build a multi-property portfolio.
Flexible Options
Interest-only, ARM, and fixed-rate terms available.
Perfect for LLCs and Investor Entities
Close in your personal name or under a business entity, depending on the program.
Is a DSCR Loan Right for You?
This loan is a great fit if you:
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Are a real estate investor (new or seasoned)
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Don’t want your personal income or employment used to qualify
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Need fast, flexible financing
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Are purchasing or refinancing rental properties
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Want to grow a portfolio without traditional lending roadblocks
DSCR loans are commonly used for:
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Long-term rentals (traditional leases)
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Short-term rentals (Airbnb/VRBO)
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Multi-family properties
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Mixed-use properties
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Cash-out refinancing for future investments
How Loans by Staci Helps
With DSCR loans, having an experienced broker matters. At Loans by Staci with NEXA Lending, I help investors:
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Understand DSCR requirements
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Analyze cash-flow ratios
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Compare programs across multiple lenders
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Maximize rental projections
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Structure financing that supports long-term growth
You’ll receive clear guidance, competitive loan options, and a streamlined investor-friendly process from application to closing.
You’re favorite Mortgage Loan Originator with Nexa Mortgage
NMLS #270377