DSCR Loans for Real Estate Investors (1–4 Units)

DSCR loans are designed for investors who want to grow their portfolio without the hassle of income documentation. Instead of your personal income, tax return, business success or employment, lenders look at the rental income of the property.

DSCR (Debt Service Coverage Ratio) measures whether the property generates enough income to cover the mortgage.

Basic Requirements

• Credit score: 600+

• Down payment: 15–25%

• Rental income must support the loan

• No tax returns or employment verification

Why Investors Love DSCR Loans

1. Fast approvals

2. No income documentation

3. Scalable for building a portfolio

DSCR Loans for 5–8 Unit Properties

Financing small multifamily properties doesn’t have to mean complicated commercial loans. DSCR loans for 5–8 units offer a simpler, more predictable alternative. Qualification is based primarily on the income the property produces, not your personal tax returns.

Basic Requirements

• Credit score: usually 650+

• Down payment: 20–30%

• Strong rental income

• Stabilized or near-stabilized property

What Makes This Unique

• Often includes 30-year fixed options

• Less complex than traditional commercial loans

• Ideal for scaling beyond single-family investments