A DSCR loan qualifies your investment property on its rental income rather than your personal earnings — so a strong cash-flowing deal can move forward without tax returns, W-2s, or employment verification.
Share a few details and our team can Send us the property and the market rent — we will tell you whether the numbers work.
Prefer to talk now? 954-590-8464DSCR stands for Debt Service Coverage Ratio — the property's monthly rent divided by its monthly mortgage payment. A ratio of 1.25 means the rent covers the payment by 25%. Lenders use that single number to decide the loan.
Because your personal income is not the basis for approval, DSCR lending suits investors who hold several properties, are self-employed, or simply want each deal to stand on its own economics.
DSCR lending keeps the file focused on the property, so speed and predictability improve.
Approval turns on the property's cash flow, not your personal returns or job history.
Tax returns and W-2s come out of the file entirely, which speeds up underwriting.
A 1.25 ratio is the common floor, with lower ratios priced individually.
Investors can hold multiple financed properties, subject to program limits.
Seasoning rules vary, but cash-out refinance is available on rental properties.
Airbnb and VRBO income is accepted on many programs with a market-rent analysis.
These are typical DSCR guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Typically 620-660 minimum, with 700+ unlocking the best rates and LTV.
20-25% is standard for an investment purchase; 15% is possible with excellent credit.
Generally 1.25 or higher. Ratios below that are considered on a case-by-case basis.
SFR, townhomes, 2-4 units, and many condos are eligible; it must be an investment property.
Six months of payments are commonly required, and more for lower-ratio deals.
The appraiser supplies the market rent that the DSCR calculation is built on.
Complete one application and tell us about your goals and timeline.
We review your file, check DSCR guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
Most programs look for 1.25 or better — the rent covering the payment by 25%. Ratios between 1.00 and 1.25 are sometimes approved at tighter terms, and anything below 1.00 is priced accordingly or declined.
No. DSCR programs do not use tax returns, W-2s, or pay stubs to qualify you. The property's rental income and the loan payment carry the decision.
Yes. Many programs accept Airbnb and VRBO income. Rather than the trailing receipts, they typically use a market-rent analysis completed by the appraiser.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your DSCR options — we'll guide you from application to keys.
