Rental income
DSCR Loans
Qualify on the property’s cash flow — not your personal income. Built for buy-and-hold investors growing a rental portfolio.
A DSCR loan (debt-service-coverage-ratio loan) is an investment-property mortgage that qualifies the borrower on the property’s rental income instead of personal income. If the rent covers the monthly payment — a DSCR of 1.0 or higher — the deal can qualify with no W-2s, pay stubs, or personal tax returns.
DSCR is calculated by dividing the property’s monthly rent by its monthly payment (principal, interest, taxes, insurance, and any association dues). A ratio of 1.0 means the rent exactly covers the payment; 1.25 or higher generally earns the strongest pricing. Ratios as low as 0.75 can be considered when documented income or bank statements support the file. Because qualification rests on the asset, DSCR loans work well for self-employed investors, investors with complex tax returns, and anyone whose portfolio has outgrown conventional loan limits.
RynoLending underwrites DSCR loans on long-term rentals, short-term rentals (Airbnb/VRBO), and mixed-use strategies, for purchases and refinances alike. You can close in an LLC, S-corp, or other entity, and there is no cap on the number of financed properties — the program is designed for portfolio builders. Most DSCR files close in 21–30 days.
At a glance
DSCR Loans, in brief.
Qualify on
Property rental income (DSCR)
Income docs
No W-2s or personal tax returns
Rate range
6.4% – 7.1% (as of August 2026)
Minimum DSCR
1.0 standard — as low as 0.75 with documented income
Minimum credit score
680
Property types
Single family, 2–4 unit, condo, townhome, 5+ unit
Rental strategy
Long-term or short-term (Airbnb) rentals
Vesting
Individual or entity (LLC, corp, partnership)
Typical closing
21–30 days
Leverage
Maximum LTV by transaction
- Purchase
- Up to 85%
- Rate & term refinance
- Up to 85%
- Cash-out refinance
- Up to 80%
Maximums available on a strong file, not what every deal receives, and subject to underwriting. This is not a commitment to lend.
Who it’s for
Built for investors like you.
Questions
DSCR Loans FAQs
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors. Instead of using your personal income to qualify, we look at the property’s rental income compared to its expenses. If the property generates enough income to cover the mortgage payment, you can qualify regardless of your personal income.
A DSCR of 1.0 — rent equal to the monthly payment — is the general qualifying benchmark, and 1.25 or higher typically earns the best pricing. Ratios as low as 0.75 can be considered when documented income or bank statements support the file. Share your scenario and we’ll structure around it.
The minimum credit score is 680. Credit affects pricing as well as approval, so a stronger score generally earns better terms — but qualification still rests on the property’s rental income rather than your personal income.
Up to 85% loan-to-value on a purchase or a rate-and-term refinance, and up to 80% on a cash-out refinance. Those are maximums for a strong file rather than what every deal receives, and all leverage is subject to underwriting. Figures as of August 2026.
DSCR rates run roughly 6.4% to 7.1% as of August 2026, depending on credit, leverage, the property, and the coverage ratio — a file at 1.25 or better prices stronger than one at 1.0. Rates move; ask for a current quote on your specific scenario.
No. DSCR loans qualify on the property’s rental income, so personal tax returns, W-2s, and pay stubs are not part of the income analysis. You’ll still provide ID, bank statements for assets, and property details.
Yes. RynoLending underwrites DSCR loans on short-term rentals as well as long-term leases, using market rent analysis or the property’s rental history.
Yes. Most investors vest DSCR loans in an LLC or other business entity, and the program is built for it — sole proprietors, LLCs, S-corps, C-corps, and partnerships are all accepted.
There is no program limit on the number of financed properties. DSCR loans are specifically designed for investors building a portfolio.
Keep exploring
Related loan programs
DSCR Cash-Out Refinance
Turn the equity in a performing rental into capital for the next deal — underwritten on rents, not W-2s.
Learn moreBank Statement Loans
Qualify on 12–24 months of bank statements instead of tax returns — built for self-employed investors.
Learn moreFix and Flip Loans
Purchase-plus-rehab financing for investors renovating and reselling — funded at the speed a good deal demands.
Learn moreLending in 23 states + DC — see everywhere we lend, or read about investment property loans in Colorado, where we’re based.
Investing in Colorado? DSCR Loans in Colorado covers the local math, leverage, and what it takes to qualify.
Investing in Denver? DSCR Loans in Denver covers the local math, leverage, and what it takes to qualify.
Ready when you are
Let’s close your next deal.
Pre-qualify in minutes — no fee, no obligation, answers within 24 hours.
Program terms, leverage, and timelines vary by scenario, property, and market conditions, and are subject to underwriting approval. RynoLending provides business-purpose investment property financing in 23 states and the District of Columbia. NMLS #2246059. This is not a commitment to lend.