DSCR and rental property loans are sized by what the rental earns — if the rent can carry the payment, the deal can qualify. Buy, refinance, or pull cash out of your portfolio without W-2s, tax returns, or employment verification.
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How DSCR works: monthly rent ÷ monthly payment. At 1.0, the property pays for itself — and the deal can stand on its own numbers instead of your personal income. See which states clear 1.0 on the median home →
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We compare DSCR and rental property programs from licensed lending sources nationwide and match you with personalized offers.
Compare your offers and choose — no obligation. LLC vesting welcome, and most rental property loans close in 3–4 weeks.
A DSCR (debt-service coverage ratio) loan qualifies on the property's rental income instead of your personal income. DSCR = monthly rent ÷ monthly payment (principal, interest, taxes, insurance). At 1.0 the rent covers the payment; many programs go as low as 0.75 or price better above 1.25.
Yes — that's the point of DSCR lending. No tax returns, W-2s, or employment verification. Underwriting looks at the property's rent (actual or market), your credit score, and your down payment or equity.
Yes. Most DSCR programs allow — and rental property owners usually prefer — vesting title in an LLC or corporation. The loan typically won't appear on your personal credit report either.
DSCR programs generally have no cap on the number of financed properties, unlike conventional loans which stop at ten. That makes them the standard tool for scaling a rental portfolio.
Most DSCR purchases start at 20% down (80% LTV), with the strongest pricing at 25%+ down. Cash-out refinances typically go to 75% of the property's value.
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4Homes arranges financing through licensed lending sources nationwide. Estimates are not a loan commitment. Equal Housing Opportunity.