DSCR Rental Loan

Real estate investors building rental portfolios without disclosing personal tax returns.

• No personal income documentation
• Qualify on property cash flow (rent ÷ PITIA)
• Minimum DSCR typically 1.0 (no-ratio options down to 0.75)
• 1–8 unit residential investment properties
• Short-term rental (Airbnb) income accepted with AirDNA or 12-month history

• Single-rental purchase
• BRRRR refinance
• Portfolio expansion

What is a DSCR loan?

DSCR (Debt Service Coverage Ratio) is an investor mortgage that qualifies based on the property's rental income rather than the borrower's personal income. The property's monthly rent must cover the loan's principal, interest, tax, insurance, and HOA (PITIA). A DSCR of 1.0 means rent equals PITIA; 1.25 means rent is 25% above PITIA.

What DSCR ratio do I need to qualify?

Most standard DSCR programs require a minimum 1.0 ratio, with better pricing at 1.25 or above. No-ratio DSCR programs accept sub-1.0 (typically down to 0.75) at higher rates and lower LTV — useful for appreciation-play investments in expensive coastal California markets where cash flow is tight.

Can I use Airbnb / short-term rental income for DSCR?

Yes — short-term rental DSCR programs accept AirDNA projections or a 12-month booking history from Airbnb/VRBO. The property must be in an STR-legal zone. LTV is typically capped at 75%.

Do DSCR loans show up on my personal credit / DTI?

DSCR loans typically close in an LLC or personal name and do report to personal credit, but the mortgage payment isn't added to your DTI for future personal mortgage applications — which is why investors use them to scale portfolios. Check with your specific lender.