DSCR Loans for Real Estate Investors

The smart financing tool for growing your rental portfolio.

A Debt Service Coverage Ratio (DSCR) loan is designed specifically for real estate investors. Unlike conventional loans that focus on your personal income, a DSCR loan qualifies you based on the investment property's rental income and its ability to cover the mortgage payments.

How DSCR Loans Work

The calculation is simple: If a property's projected monthly rent is greater than or equal to the proposed monthly mortgage payment (a DSCR ratio of 1.0 or higher), it cash flows, and you can be approved. No personal tax returns or pay stubs are required.

Benefits for Arizona Investors

• No Personal Income Verification: Perfect for self-employed investors or those with complex finances.
• Faster Closings: Less documentation means a more streamlined process.
• Unlimited Properties: Grow your portfolio without being limited by traditional loan caps.