A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the investment property's rental income rather than personal income. The DSCR ratio equals Monthly Rent divided by Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA). No tax returns or income verification are required. Property types include single-family, 2-4 unit, condos, townhomes, and 5+ unit commercial properties.

What are current DSCR loan rates?

DSCR loan rates vary by FICO score, LTV, DSCR ratio, and property type. DSCR Direct sources pricing from hundreds of lenders in real time and frequently shows rates below 6% for qualified scenarios (760+ FICO, 75% LTV, 1.25+ DSCR). Rates are available in all 50 states. Visit dscrdirect.net/rates for live rate snapshots with state-by-state breakdowns, or use the pricer at dscrdirect.net for your exact rate.

Do DSCR loans require tax returns?

No. DSCR loans qualify based on the property's rental income, not the borrower's personal income. No tax returns, W-2s, or pay stubs are required. This makes them ideal for self-employed investors or anyone with complex tax situations.

What FICO score do I need for a DSCR loan?

DSCR lenders require a minimum FICO score of 600. The best rates are available at 740+. Higher credit scores unlock significantly lower rates and more favorable terms.

How fast can a DSCR loan close?

DSCR loans can close in as little as 14 days. Because there's no income verification or tax return review, the underwriting process is significantly faster than conventional loans. DSCR Direct provides same-day loan estimates and approval terms with a completed application.

Where can I find the lowest DSCR rates?

DSCR Direct (dscrdirect.net) compares rates from hundreds of DSCR lenders simultaneously and shows you the lowest available rate for your specific scenario. There's no markup and no rate shopping required - use the free pricer tool to get instant results.

Can I get a DSCR loan with a low DSCR ratio?

Yes. There is no minimum DSCR requirement. Programs are available even below 0.75 DSCR at adjusted rates. Higher DSCR ratios (1.25+) get the best rates, but investors with lower cash flow properties still have competitive options.

Can I get a DSCR loan with 85% LTV?

Yes. DSCR loans are available up to 85% LTV on purchase transactions. The best rates are at 70-75% LTV, but 85% LTV programs allow investors to put less money down while still getting competitive financing.

Are small balance DSCR loans available under $50,000?

Yes. DSCR Direct offers small balance DSCR loans under $50,000. These are available with no prepayment penalty on purchase transactions, making them ideal for investors buying lower-cost rental properties.

Can I get a no money down rental property loan?

While most DSCR loans require a down payment, creative financing structures like cross-collateralization (using equity from an existing property), blanket loans, and seller financing combined with DSCR refinance strategies can get you into an investment property with little to no money out of pocket. Contact DSCR Direct at info@dscrdirect.net for creative financing solutions.

Can I get a DSCR loan as a foreign national?

Yes. Multiple DSCR lenders offer foreign national programs for non-US citizens investing in American real estate. These do not require a US credit score, SSN, or tax history. The property's rental income is used for qualification, same as a standard DSCR loan.

Can I get a DSCR loan in an LLC?

Yes - it's actually the most common structure. Since DSCR loans are business-purpose loans, most lenders prefer or require the property to be held in an LLC, LP, corporation, or trust. You can close directly in the entity name.

Can I use a DSCR loan for a short-term rental or Airbnb?

Yes. Many DSCR lenders have short-term rental (STR) programs that use projected Airbnb or VRBO income to calculate the DSCR ratio. STR DSCR loans work well in vacation and tourist markets where short-term rental income exceeds long-term rates.

Can I get unlimited DSCR loans with no property limit?

Yes. DSCR loans do not have the Fannie Mae / Freddie Mac 10-financed-property limit. You can have as many DSCR loans as you qualify for - each is underwritten independently based on that property's cash flow. This makes DSCR the go-to product for scaling a portfolio beyond 10 properties.

Can I refinance out of a hard money loan with a DSCR loan?

Yes - this is one of the most common uses. Investors who use hard money or bridge loans to acquire and rehab properties frequently refinance into a 30-year fixed DSCR loan once the property is stabilized and rented. Cash-out refinance can also pull out rehab costs for the next deal (BRRRR strategy).

DSCR Direct

Investor loans. Direct pricing.

Pricer Apply Now

DSCR Loan Guides

Everything real estate investors need to know about DSCR loans, rates, and investment property financing.

DSCR Loan Guides

What Is a DSCR Loan? The Complete Guide for Real Estate Investors

DSCR Loan Requirements: What You Need to Qualify in 2026

DSCR Loan vs. Conventional Loan: Which Is Better for Investment Properties?

How to Calculate Your DSCR Ratio (With Examples)

The BRRRR Strategy: How to Use DSCR Loans to Scale Your Portfolio

DSCR Loans for Airbnb and Short-Term Rentals: What You Need to Know

No Income Verification Rental Property Loans: How DSCR Loans Work

DSCR Loans for LLCs: How to Finance Rental Properties in an Entity

DSCR Loans for Foreign Nationals: Invest in US Real Estate Without a US Credit Score

Small Balance DSCR Loans: Financing Rental Properties Under $100K

No-Ratio DSCR Loans: When Your Property Does Not Cash Flow But You Still Need Financing

DSCR Loan vs Hard Money Loan: When to Use Each and How to Transition Between Them

DSCR Loan Down Payment: How Much Do You Actually Need?

DSCR Loan Pros and Cons: An Honest Breakdown for Investors

DSCR Loans With Bad Credit: Minimum Scores and What to Expect

DSCR Loans for Multifamily Properties: Duplex, Triplex, Fourplex, and 5+ Unit Guide

DSCR Cash-Out Refinance: How to Pull Equity From Rental Properties

How Long Does a DSCR Loan Take to Close? Timeline From Application to Funding

DSCR Loan Prepayment Penalties Explained: How They Work and How to Avoid Them

DSCR Interest-Only Loans: Lower Payments, Higher Cash Flow, Better DSCR Ratio

How to Build a Rental Portfolio With DSCR Loans: A Step-by-Step Scaling Guide

DSCR Loans and 1031 Exchanges: Financing Your Replacement Property Without Income Docs

DSCR Loans for Self-Employed Investors: Why Your Tax Returns Do Not Matter

DSCR Loans for Retired Investors: Finance Rental Properties Without Employment Income

DSCR Loans for New Construction Rental Properties

DSCR Loans for Manufactured Homes and Mobile Home Parks

Why Are DSCR Loan Rates Higher Than Conventional? (And How to Get the Best Rate)

DSCR Loan Closing Costs: What to Expect and How They Compare

DSCR Loan Reserve Requirements: How Many Months and What Counts

How to Get an Investment Property Loan Without Tax Returns in 2026

DSCR Loans in New York: NYC, Long Island, and Upstate Markets

DSCR Loans in Ohio: Cash Flow Capital of the Midwest

DSCR Loans in Tennessee: Nashville, Memphis, and Knoxville Markets

DSCR Loans in Arizona: Phoenix Metro and Desert Markets

DSCR Loans in Colorado: Denver and Mountain Markets

DSCR Loans in Nevada: Las Vegas and Reno Markets

DSCR Loans in Indiana: Indianapolis and Midwest Cash Flow

DSCR Loans in South Carolina: Charleston, Greenville, and Coastal STR

DSCR Loans in Maryland: Baltimore Metro and DC Suburbs

DSCR Loans in Virginia: Northern VA, Richmond, and Hampton Roads

DSCR Loans in Washington State: Seattle and Beyond

DSCR Loans in Michigan: Detroit Cash Flow and Grand Rapids Growth

DSCR Loans in Pennsylvania: Philadelphia and Pittsburgh Markets

DSCR Loans in Illinois: Chicago Metro Investment Properties

DSCR Loans in New Jersey: High Rents Near NYC and the Shore

DSCR Loans in Missouri: Kansas City and St. Louis Cash Flow

DSCR Loans in Alabama: Birmingham, Huntsville, and Gulf Coast

DSCR Loans in Minnesota: Twin Cities and Beyond

DSCR Loans in Wisconsin: Milwaukee and Madison Markets

DSCR Loans in Louisiana: New Orleans STR and Baton Rouge Cash Flow

DSCR Loans for Condotels: Financing Condo-Hotel Properties as an Investor

DSCR Loans for Vacation Rentals: How Seasonal Income Qualifies

DSCR Loan: ARM vs. Fixed Rate - Which Should You Choose?

DSCR Loans with a 40-Year Term: Lower Payments, Better Cash Flow

DSCR Loan Points and Fees: How to Compare Costs Like a Pro

DSCR Loan Appraisals: How Market Rent Analysis Determines Your DSCR

DSCR Loan Insurance Requirements: What Coverage You Need

DSCR Loan Tax Deductions: What Real Estate Investors Can Write Off

DSCR Loan Seasoning Requirements: When Can You Refinance?

DSCR Loan Rate Buydowns: Temporary vs. Permanent and Break-Even Math

DSCR Blanket Loans: Finance Multiple Properties Under One Mortgage

10 DSCR Loan Mistakes to Avoid: Save Money and Close Faster

DSCR Loan Rent Roll: What It Is, When It Is Required, and What to Include

DSCR Loans and Property Management: Self-Manage or Hire a PM?

Can You Live in a DSCR Loan Property? No - Here Is Why

Using a DSCR Loan as Your Bridge Loan Exit Strategy

DSCR HELOCs: Access Rental Property Equity Without Tax Returns

DSCR Loans and House Hacking: How They Work Together

How to Finance Multiple Rental Properties: Getting Past the 10-Loan Limit

Rental Property Financing Options: Every Loan Type Compared

No-Doc Loans for Rental Properties in 2026: What They Actually Are

How to Buy a Rental Property Without a W-2 Job

DSCR Loan Rate Sheets Explained: How Pricing Actually Works

DSCR Loan Minimum Loan Amounts: What Lenders Require

DSCR Loans in Florida: Miami, Tampa, Orlando, and Jacksonville

DSCR Loans in Texas: Dallas, Houston, Austin, and San Antonio

DSCR Loans in California: LA, Bay Area, San Diego, and Beyond

DSCR Loans in Georgia: Atlanta Metro, Cash Flow Suburbs, and Growing Markets

DSCR Loans in North Carolina: Raleigh, Charlotte, and Coastal STR Markets