DSCR loans are qualified based on the property's rental income rather than your personal tax returns or pay stubs — ideal for self-employed investors and those with complex income.
Without traditional income documentation to collect and verify, DSCR loans can move through underwriting more quickly, helping you close on investment opportunities sooner.
Grow your portfolio without the property caps that come with many conventional financing programs, making DSCR loans a strong fit for investors scaling their holdings.
DSCR loans work well for first-time landlords, seasoned investors, short-term rental owners, and those building a portfolio of single-family, multi-unit, or vacation rental properties.
A DSCR loan is a mortgage designed for real estate investors that qualifies borrowers using the Debt Service Coverage Ratio — a measure of the property's rental income compared to its mortgage payment — instead of personal income. These loans are one of the most popular financing options for investors because they offer flexibility, speed, and a path to qualification that doesn't rely on W-2s or tax returns. Whether you're purchasing your first rental or your tenth, a DSCR mortgage may provide the financing solution that best fits your investment strategy.
Lenders look at the property's projected or actual rental income compared to its monthly debt obligations to determine your DSCR ratio.
Depending on the loan program, qualified investors may be able to purchase a property with a competitive down payment, while larger down payments can improve pricing and terms.
Single-family homes, condos, multi-unit properties, and short-term rentals may all be eligible, depending on the lender's guidelines and the property's income potential.
While DSCR loans don't rely on personal income, lenders still review your credit history to help determine your rate and terms.
Personalized recommendations to determine whether a DSCR loan is the right financing option for your investment goals.
Guidance comparing DSCR, conventional, and other investment loan programs so you can make an informed decision.
Clear communication throughout the mortgage process with answers to your questions every step of the way.
A smooth, responsive experience from pre-approval through closing.

PrimeLending's Lori Meaney specializes in connecting Central Florida families with the right home loan — from first-time buyers to seasoned homeowners.
3200 SW 34th Ave, Bldg 100, Suite 102
Ocala, FL 34474
© PrimeLending, a Plains Capital Company · NMLS ID 13649 · Lori Meaney NMLS# 1132235 · All loans subject to credit approval.