Question 1

What is a DSCR loan?

Accepted Answer

A DSCR loan is an investor mortgage that qualifies based on the property's rental cash flow instead of personal income or tax returns.

Question 2

How is DSCR calculated?

Accepted Answer

DSCR = Monthly Rental Income / PITIA (principal, interest, taxes, insurance, association dues).

Question 3

Do I need tax returns?

Accepted Answer

No tax returns, W-2s, or employment verification are required.

Question 4

Can I close in an LLC?

Accepted Answer

Yes — LLC, LP, and corporate vesting are standard.

Question 5

Can I use Airbnb income?

Accepted Answer

Yes — short-term rental income can qualify using AirDNA projections or 12-month operating history.

Question 6

What credit score is required?

Accepted Answer

Most programs require 680+, with best pricing at 720+. Some lenders go down to 660 with compensating factors.

Question 7

Can I refinance?

Accepted Answer

Yes — rate-and-term and cash-out refinances are available for stabilized rentals.

Question 8

How much can I borrow?

Accepted Answer

Loan amounts range from $100,000 to $5 million+, up to 80% LTV.

Question 9

What states are eligible?

Accepted Answer

We lend in 48 states. A few jurisdictions have program restrictions—submit your scenario for confirmation.

DSCR Loan FAQ