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DSCR Loans: Qualify Based on Property Cash Flow
❌ Can't qualify for a mortgage because your personal income is too low or inconsistent
✅Solution: DSCR loans qualify you based on the rental income of the property — not your tax returns or W2s.
❌ Your traditional lenders don’t understand real estate investors' financial structure
✅ Solution: DSCR loans are designed specifically for investors — no income verification or employment history required.
❌ You have too many hoops with banks — delays, conditions, and red tape
✅ Solution: DSCR loans offer faster approval and funding, with fewer underwriting headaches.
❌ You missed opportunities because they can’t close quickly
✅ Solution: With a DSCR loan, you can act fast — close quickly on income-producing properties and scale your portfolio.
❌ Tired of explaining write-offs and expenses every time they apply
✅ Solution: DSCR loans don’t care about write-offs — just that the rent covers the mortgage (typically 1.0+ DSCR ratio).
Talk with a mortgage expert who specializes in real estate investors and self-employed borrowers. Learn your best-fit loan options in just 15 minutes.
Frequently Asked Questions
What is a DSCR loan?
A DSCR loan is for real estate investors and is underwritten primarily using the income from the investment property—not personal income.
How is DSCR calculated?
DSCR = Gross Monthly Rent ÷ PITIA (Principal, Interest, Taxes, Insurance, and HOA if applicable). Example: $2,000 rent ÷ $1,600 PITIA = 1.25 DSCR
What’s the minimum DSCR needed to qualify?
Usually 1.00 (property breaks even), though some outlets go down to 0.75 with adjusted pricing .
Are personal income or tax returns required?
No. DSCR loans do not require personal income documentation.
What properties qualify for DSCR loans?
Most residential investment properties, including single-family homes, condos, and 1-4 unit properties, can qualify. Some outlets also accept short-term rentals and mixed-use buildings.
Is a DSCR loan good for first-time investors?
Absolutely. DSCR loans are ideal for first-time or experienced investors who want to avoid traditional income verification.
Can I use a DSCR loan to refinance?
Yes, DSCR loans can be used for both cash-out and rate-term refinances of investment properties.
How much down payment is required?
Down payments typically range from 20%–25%, depending on your credit and the property type.
What’s the minimum credit score for a DSCR loan?
Most lenders require a credit score of 640+, but better rates and terms are available with scores above 700.
Do I need a lease agreement or rental history of the property?
Typically, no lease is required. Lenders often use market rents from an appraisal (Form 1007) to determine eligibility.
Begin your secure loan application now—ideal if you’re under contract, refinancing, or ready to move forward.
You'll be redirected to my official Jet Direct Mortgage page to complete your apply
This website is owned and maintained by Orlando Concepcion, a licensed Mortgage Loan Originator NMLS ID: 2303331 affiliated with Jet Direct Mortgage. The information provided is for educational and informational purposes only and does not constitute a mortgage application, loan offer, or official advice. This site is not affiliated with Jet Direct Mortgage and is intended solely as a personal platform to help consumers better understand real estate investing and Non-QM mortgage solutions such as DSCR, bank statement, and profit & loss loans. If you would like to apply for a mortgage or speak with Orlando in his official capacity as a licensed loan originator, please visit: https://jetdirectmortgage.com/orlando/