DSCR Loan

Finance your next investment property based on rental income alone. No pay stubs or W-2s are needed. Perfect for real estate investors who want a simpler way to finance their next investment property.

Put your investment to work by applying for a DSCR loan

A debt service coverage ratio (DSCR) loan lets you qualify based on your property’s rental income potential rather than your personal income. It’s a game-changer for real estate investors looking to expand their portfolio without the traditional mortgage documentation requirements.

Skip the pay stubs

No need to verify your personal income or employment—your property’s rental income is what matters.

Close faster

Experience a streamlined approval process with simplified documentation requirements.

Build your portfolio

No limit on the number of financed properties you can own.

Why choose AmeriSave for your DSCR loan?

For more than 20 years, we’ve helped investors like you maximize their real estate opportunities. Here’s what our DSCR loans offer.

Competitive rates

Lower rates than other investment loans, with flexible terms to fit your needs.

Simple qualification process

Properties with a DSCR ratio of 1.00 or higher, meaning your monthly rental income surpasses your monthly mortgage payment, receive optimal pricing and higher loan-to-value (LTV) limits.

Maximum flexibility


Finance loan amounts from $100,000 to $1,500,000 and choose from purchase, rate and term refinance, or cash-out options.

Business-friendly structure

Close in your LLC name with minimal ownership requirements—perfect for protecting your investments.

How to get a DSCR loan with AmeriSave

1 Calculate your DSCR

Your DSCR ratio is your property’s monthly rental income divided by your monthly mortgage payment (including taxes and insurance). We’ll help you determine if your property qualifies.

2 Choose your property

Eligible properties include: 1- to 4-unit residential investments, condos with relaxed guidelines, properties up to 2 acres, and short-term rentals. 

3 Meet basic requirements

You’ll need to meet requirements including: a 680 minimum FICO credit score, a $100,000 minimum loan amount, and 2 months of payment reserves. The property must be non-owner occupied. 

4 Select your terms

Choose from flexible options including 30-year terms, interest-only payment options, and various prepayment penalty terms. 

5 Close your loan

Our streamlined process gets you to closing faster with less paperwork than traditional mortgages.

Veron M. | Lawrenceville, GA

The process has been very quick and easy for a first timer like myself. Being able to provide things on-line via chat u0026amp; email lets me handle things while taking care of other tasks.

Sprak | Charles Town

I cannot imagine an easier experience with anyone else. Everyone is friendly, helpful and simply caring. Love working with them.

Jason S | Elephant Butte, NM

Fantastic. Great company and staff. Professional and quick. The process from beginning to end was painless and speedy. Would recommend with 10 stars.
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Frequently Asked Questions

A debt service coverage ratio (DSCR) loan qualifies you based on your property’s rental income potential rather than your personal income. It’s designed specifically for investment properties.

We divide your property’s monthly rental income by its monthly mortgage payment (including taxes and insurance). A ratio of 1.00 or higher indicates that the property generates enough income to cover its expenses.

Yes. While additional requirements apply, we welcome short-term rental properties and can help structure your loan appropriately.

You’ll need a minimum FICO score of 680 to qualify for an AmeriSave DSCR loan.

Absolutely. We can close your loan under your business entity if you own at least 50% of the LLC.

Ready to grow your real estate portfolio?

Chat with an AmeriSave Loan Advisor to learn more about our DSCR loan options and start your application today.

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