DSCR Loans for Real Estate Investors

Who it's for

• Investors buying or refinancing a 1–4 unit rental, condo, or short-term rental
• Self-employed investors whose write-offs make their tax returns look thin
• Anyone growing a portfolio who's tired of re-proving personal income on every deal

How it works

1. We look at the rent. Your lender compares the property's monthly rent to its monthly payment (principal, interest, taxes, insurance and HOA).
2. That gives you the ratio. Rent divided by payment is the DSCR. Rent of $3,300 on a $3,000 payment is a 1.10 DSCR.
3. The ratio sets your terms. A higher ratio, more down and stronger credit usually mean better pricing. I'll shop your file across lenders to find the best fit.

Typical guidelines

• DSCR: 1.0 or higher; some programs go below 1.0 with more down
• Down payment: 20–25% on a purchase
• Credit score: around 620–680 minimum; better terms above 700
• Reserves: several months of payments in the bank after closing
• Income docs: no personal tax returns or W-2s

Guidelines vary by lender and change often. Contact us for a current rate quote.

Where we lend DSCR loans

We're based in San Diego, but DSCR loans aren't limited to California. We can finance investment properties in:

Alabama, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Mississippi, Missouri, Montana, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, West Virginia, Wisconsin and Wyoming.

DSCR loans are business-purpose loans for non-owner-occupied investment properties. Availability, terms and state-specific rules vary by property location and program.

Why The Loan Me Company

We're a mortgage brokerage and a real estate brokerage. That means one team can help you find the rental, run the numbers on the rent, and line up the financing — anywhere in California.

DSCR loan FAQ

Do I need to show my income for a DSCR loan?

Usually not. The loan is based on the property's rent, so most lenders skip personal tax returns and pay stubs. You'll still need good credit and money for the down payment and reserves.

Can I use a DSCR loan for an Airbnb or short-term rental?

Often, yes. Many lenders will use short-term rental income, though the guidelines can be a bit tighter.

Can I buy in an LLC?

Many DSCR lenders allow it. We'll match you with one that does if that's your plan.

Can I use a DSCR loan for my own home?

No. DSCR loans are for investment properties only. For a home you'll live in, take a look at our Bank Statement or 1099 loans.

Related loan programs

• Bank Statement Loans: Self-employed? Qualify on deposits, not tax returns

• Bridge Loans: Buy your next home before you sell

• HELOCs & Home Equity Loans: Tap your equity and keep your first mortgage

The Loan Me Company (Loan Me, Co.) · NMLS #2497863 · CA DRE #02220434 · Conor Cappa, Owner/Broker · NMLS #1450916 · CA DRE #02100091. San Diego, CA · Serving clients throughout California · 925-708-7991 · conor@loanmeco.com. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates, terms and conditions are subject to change without notice, and not all applicants will qualify. Guidelines shown are typical ranges and vary by lender. Contact us for a current rate quote. Equal Housing Opportunity.