DSCR Loan
Qualify on rental income, not your tax returns
Debt Service Coverage Ratio loans let real estate investors qualify based on the property's rental income rather than personal income documentation. Ideal for self-employed investors and those with complex tax situations.
Key Advantages
Why Choose a DSCR?
Here's what sets this loan product apart and who it works best for.
No Personal Income Required
Qualification is based on the property's rent-to-mortgage ratio, not your W-2 or tax returns.
Scale Your Portfolio
No limit on the number of financed properties — perfect for investors building long-term wealth.
Entity-Friendly
Loans can be made in the name of an LLC or corporation, protecting your personal assets.
Short-Term Rental Eligible
Airbnb and VRBO income can qualify using market rent or documented short-term rental history.
Calculator
DSCR Calculator
Estimate your debt service coverage ratio for an investment property.
Loan Amount
$300,000
Monthly P&I
$2,098
Est. PITIA
$2,514
DSCR Ratio
0.99x
Below MinimumMonthly Cash Flow
$-14
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Eligibility
Qualification Requirements
General guidelines for DSCR Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Minimum Credit Score | 660+ |
| Minimum DSCR | 0.76x |
| Minimum Down Payment | 20% |
| Property Type | Investment / Non-Owner-Occupied |
| Loan Types | Single-family, 2-4 unit, condo, townhome |
| Documentation | Lease agreement or market rent appraisal |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about DSCR Loan loans.
Get Started Today
Ready to explore DSCR Loan?
Answer a few quick questions and get a personalized strategy recommendation — including whether DSCR is right for your situation.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
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