HomesCalculator.com
Call / Text 352-988-4900

Loan guide

DSCR investor loan

Qualify for a rental property based on its rent, not your personal income. Best for: Real estate investors, especially self-employed investors and those growing a portfolio.

Key facts

  • Qualifies on the property's rent compared with its payment (the "debt service coverage ratio"). Many lenders look for rent that covers the payment, often 1.0 to 1.25 times.
  • Down payments are typically 20% to 25% or more.
  • Investment properties only, and can often close in an LLC.
  • No tax returns needed for qualifying in most cases.

Pros

  • No personal income verification
  • Close in an LLC in many cases
  • Scales with your portfolio
  • Good for self-employed investors

Cons

  • Higher rates than owner-occupied loans
  • Larger down payment
  • Prepayment penalties are common
  • Not for homes you live in
Check if I qualify Compare with other loans

More detail: LoansAndHouses.com loan programs

Ready to apply?

Start your secure mortgage application online, any time. We review every application personally and will contact you about next steps.

Start my application

Questions first? Call 352-988-4900 or text your questions to the same number.

QR code for the mortgage application
On a computer? Scan with your phone camera to apply on your phone.

Common questions

Who is a DSCR investor loan best for?

Real estate investors, especially self-employed investors and those growing a portfolio.

What are the main pros and cons of a DSCR investor loan?

Pros: No personal income verification; Close in an LLC in many cases; Scales with your portfolio; Good for self-employed investors. Cons: Higher rates than owner-occupied loans; Larger down payment; Prepayment penalties are common; Not for homes you live in.

Figures checked October 2026 and subject to change. Loan limits are updated each January. Program rules, eligibility and pricing vary by lender and borrower. Not a commitment to lend. Bill McElhill, NMLS #2176490, licensed in Florida, Georgia and Texas.

Investing: step 3 of 5

Your next step: Fixer-uppers

Renovation budget.

Fixer-uppers → Or ask Bill

Ask us about a DSCR investor loan

A quick, no-pressure call to check your numbers and your options.

Bill McElhill

Bill McElhill

Apply for a mortgage
Best time to reach you (optional)
When are you hoping to move? (optional)
Best way to reach you (optional)
Do you already have a Realtor? (optional)

Prefer to text? Send your questions to 352-988-4900.

By sending this form, I consent to being contacted by phone, text or email about my enquiry. Consent is not a condition of any purchase or service. Message and data rates may apply. Reply STOP to opt out of texts.

Optional: keep me updated

We never sell your information. See our privacy policy.

Educational information only. This page gives general information to help you learn and plan. It is not legal, tax, financial or other professional advice, or an offer to lend. For advice on your situation, talk to a licensed professional. Terms of use

Call Bill Text Bill WhatsApp