What it is
A DSCR (debt-service coverage ratio) loan qualifies the property, not your personal income. If the rent covers the payment, the deal works — no tax returns, no W-2s, no DTI math.
How it works
Lenders divide the property's rent by its monthly payment. At or above 1.0 means the property pays for itself. Many programs allow close-in-LLC, 30-year fixed terms, and cash-out.
Who it fits
Buy-and-hold investors, self-employed landlords, anyone scaling past the conventional 10-property cap, and short-term rental owners (many programs count nightly income).
What you'll need
The address, the rent (lease or market rent survey), and a down payment usually from 20–25%. Credit still matters, but your personal income stays out of it.
Good to know
DSCR is the standard exit from hard money and bridge loans — stabilize the property, let the rent qualify, lock a 30-year hold.
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Talk to the DeskGeneral education, not advice for your specific situation. Every file is different — talk to a licensed professional before making decisions.