Programs· 7 min
DSCR loans explained: financing rentals without W-2 income
How investors are scaling portfolios by qualifying the property instead of the person.
A DSCR loan qualifies the property's rental income against its debt service instead of your personal income. No tax returns, no W-2s.
Most lenders look for a ratio at or above 1.0, meaning rent covers the mortgage payment. Stronger ratios unlock better pricing.
This is the workhorse product for investors who have written off income on their tax returns but hold cash-flowing properties.