What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio — and a DSCR loan is a mortgage for real estate investors that qualifies based on whether the property’s rental income covers its mortgage payment, rather than on your personal income or tax returns. For investors, that’s a game-changer.
If you’ve ever been told “your tax returns don’t show enough income” despite owning performing rentals, this is the loan built for you. No W-2s, no tax returns, and no personal debt-to-income calculations — we look at the rent the property brings in versus the payment it carries. You can also close in the name of your LLC, keeping your investments organized and separate.
DSCR loans are for investment properties (not homes you’ll live in), typically require a larger down payment than owner-occupied loans, and price according to the strength of the deal. If you’re serious about building a rental portfolio in Kansas, this is one of the most powerful tools available — and exactly the kind of creative financing we specialize in.
Why investors choose DSCR loans
No Tax Returns or W-2s
Qualify on the property’s cash flow, not your personal income or tax returns — ideal for investors with write-offs. Subject to underwriting.
Qualify on Rental Income
If the rent covers the payment, you’re in the conversation — regardless of what your 1040 shows. Subject to the property’s DSCR and guidelines.
Close in Your LLC
Keep your investments organized and protected by closing in the name of your LLC. Ask us how.
Scale Your Portfolio
Qualifying isn’t tied to your personal DTI, so DSCR loans make it easier to keep growing. Investment properties only.
You might be a great fit if…
DSCR loan basics
Qualify on the Property
We evaluate the property’s rental income against its mortgage payment — the DSCR — rather than your personal income. Subject to guidelines.
Down Payment
DSCR loans typically require a larger down payment than owner-occupied loans. We’ll tell you the number for your deal.
Investment Properties Only
DSCR loans are for non-owner-occupied investment properties, not homes you’ll live in.
Fast & Investor-Friendly
We speak investor and move quickly. Send us your scenario and we’ll tell you if it works. All loans subject to credit and underwriting approval.
See what a DSCR loan might cost per month
Enter a property price to see an estimated monthly payment. Educational estimate only — not a quote or an offer.
Important: Illustrative estimate for educational purposes only — not a loan offer, rate quote, pre-qualification, or commitment to lend. The sample rate is not an offered rate; investor/DSCR rates differ from owner-occupied rates and change daily based on the property, your credit, and the deal. Principal and interest only — taxes, insurance, HOA, and any escrows are not included. Not all applicants or properties qualify. All loans subject to credit approval, appraisal, and underwriting. Equal Housing Lender.
Ready to see your real numbers? A licensed loan officer will walk you through it — no obligation.
Common questions
Do DSCR loans really skip tax returns?
Yes. A DSCR loan qualifies based on the property’s rental income versus its mortgage payment — not your personal income, W-2s, or tax returns. It’s built specifically for investors whose returns don’t reflect their true earnings due to write-offs.
What is a good DSCR?
DSCR compares the property’s rental income to its debt payment. A ratio of 1.0 means the rent exactly covers the payment; higher is stronger. Requirements vary by lender and program, and some allow lower ratios with adjustments. Send us the numbers and we’ll tell you where your deal lands.
Can I close a DSCR loan in my LLC?
Yes — one of the advantages of DSCR loans is the ability to close in the name of your LLC, which helps keep your investments organized and separate. We’ll walk you through how to set it up.
How much down do I need for a DSCR loan?
DSCR loans typically require a larger down payment than owner-occupied mortgages because they’re for investment properties. The exact amount depends on the deal and the property’s cash flow. We’ll give you a real figure for your specific scenario.
Can I use a DSCR loan for a home I’ll live in?
No — DSCR loans are for investment (non-owner-occupied) properties only. If you’re buying a home to live in, we’ll point you to the right owner-occupied program.
Send us your investment scenario
Tell us the property and the rent, and we’ll tell you if the numbers work — usually the same day. All loans subject to credit and underwriting approval.