DSCR Home Loans: Invest Without Income Verification
Looking to invest in rental properties without traditional income documentation? A DSCR (Debt Service Coverage Ratio) loan could be the right solution. Designed for real estate investors, DSCR loans focus on the cash flow of the property—not your personal income.
What Is a DSCR Loan?
A DSCR loan is a non-QM (non-qualified mortgage) loan that bases approval on the income generated by the property, not the borrower’s job or tax returns. This makes it ideal for investors with multiple properties or those who want to scale their portfolio without the usual paperwork.
Instead of reviewing your W2s or personal financials, lenders evaluate the property’s Debt Service Coverage Ratio—a metric that compares the property’s rental income to its total debt payments.
Formula:
DSCR = Monthly Rental Income ÷ Monthly Loan Payment (PITI)
Key Benefits of DSCR Loans
- No personal income documentation required
- Perfect for self-employed or seasoned real estate investors
- Fast and streamlined approval process
- Use property income to qualify
- Close in the name of an LLC or corporation
- Expand your investment portfolio with ease
Eligible Property Types
DSCR loans are flexible and can be used for:
- Single-family rental homes
- 2-4 unit investment properties
- Condo units (warrantable and non-warrantable)
- Short-term rentals (Airbnb, VRBO, etc.)
- Multi-family buildings (up to 10 units in some cases)
Why Choose Mortgage Capital for Your DSCR Loan?
At Mortgage Capital, we specialize in investor-focused financing. Our team helps you navigate the DSCR loan process with clarity, transparency, and speed. Whether you’re purchasing your first rental or refinancing a multi-property portfolio, we’re here to help you succeed.
- Competitive rates and flexible DSCR options
- Fast closing timelines
- Trusted by experienced real estate investors
Get Pre-Qualified for a DSCR Loan Today
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!