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Invest Smarter with DSCR Loans — No Tax Returns Required
Debt-Service Coverage Ratio (DSCR) loans make it easy for real estate investors to qualify based on rental income—not personal income.
What Is a DSCR Loan?
A DSCR loan is a mortgage designed for real estate investors who want to qualify using the income from their rental property—not their tax returns, pay stubs, or W-2s. Instead of personal income, lenders use your property's Debt-Service Coverage Ratio to determine eligibility. That means if the rent covers the mortgage, you may qualify.
How It Works
Your DSCR is calculated as: Monthly Rental Income ÷ Monthly Mortgage Payment. Most lenders require a DSCR of 1.0 or higher—meaning the rent covers or exceeds the payment.
Ready to Scale Your Portfolio?
Whether you’re buying your first investment property or your tenth, DSCR loans can help you close fast—with less paperwork and more flexibility.
Why Real Estate Investors Love DSCR Loans:
✅ No income verification or tax returns needed
🏘️ Perfect for first-time or seasoned investors
💼 Ideal for self-employed buyers and LLCs
📈 Unlimited properties allowed in many cases
🔄 Refinance or purchase with ease
🌎 Available for short-term rentals, long-term rentals, and Airbnbs
DSCR Loan FAQs
No. DSCR loans qualify you based on the property's income.
Yes, many DSCR lenders allow income from short-term rental platforms like Airbnb and VRBO.
Absolutely. Many investors close in LLCs or trusts for asset protection.
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Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
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