DSCR loans

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Whether you're purchasing a rental property, expanding your investment portfolio, or refinancing an existing property, a DSCR loan offers flexible qualification, competitive terms, and a financing path built around your property's cash flow instead of your personal income.

the benefits

WHY CHOOSE A DSCR LOAN?

No Personal Income Verification

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.

Fast, Streamlined Approval

Without traditional income documentation to collect and verify, DSCR loans can move through underwriting more quickly, helping you close on investment opportunities sooner.

Unlimited Financed Properties

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.

Ideal for Many Investors

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.

What Is a DSCR Loan?

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.

eligibility

WHO MAY QUALIFY FOR A DSCR LOAN?

1.

Positive Cash Flow

Lenders look at the property's projected or actual rental income compared to its monthly debt obligations to determine your DSCR ratio.

2.

Down Payment Options

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.

3.

Property Type

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.

4.

Credit Profile

While DSCR loans don't rely on personal income, lenders still review your credit history to help determine your rate and terms.

Why Work With Lori

Mortgage Advice You Can Trust

  • 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.

Client Stories

REAL STORIES FROM MY VALUED clients

Not sure where to start?

Let's find the right loan program for your goals — no pressure, just honest guidance.

PrimeLending's Lori Meaney specializes in connecting Central Florida families with the right home loan — from first-time buyers to seasoned homeowners.

Contact Info

© PrimeLending, a Plains Capital Company · NMLS ID 13649 · Lori Meaney NMLS# 1132235 · All loans subject to credit approval.