The property qualifies, not your pay stubs.
Debt-Service Coverage Ratio loans qualify an investment property on the rent it produces relative to its payment — no tax returns, no W-2s, no employment verification. Built for investors whose paper income understates what they actually control, and for portfolios that outgrew conventional loan limits on financed properties.
Real-estate investors buying or refinancing rentals — long-term, short-term, or mid-term. Self-employed borrowers whose write-offs make tax returns a poor picture of reality. Anyone scaling past the point where conventional financing gets awkward about how many mortgages you already have.
We look at the purchase price and market rent to gauge the coverage ratio up front.
Rate and leverage scale with the ratio and your down payment — typically 20–25% down.
Appraisal with a rent schedule, entity docs if vesting in an LLC, reserves. That's the bulk of it.
Many investors close in an LLC and go straight to cash flow.
A ratio of 1.0 means rent covers the payment; most programs price best above that. Some allow ratios below 1.0 with stronger down payments. We'll run your deal's number before you write an offer.
Many DSCR lenders accept market-rent analysis or documented STR history, program-dependent. Bring us the address and we'll match it to the right lender.
Credit score and reserves matter; your employment and tax returns generally don't. That's the entire point of the product.
Every scenario is different — program guidelines, rates, and qualifying criteria vary by lender and change over time. The fastest way to a real answer is a conversation. This page is general information, not a commitment to lend.