No pay stubs or W-2s neededBuild a portfolio of propertiesA simpler way to finance investment properties
Get a lower rate than other investment loans to save on monthly payments.
Better pricing and loan-to-value (LTV) limits with a DSCR ratio of 1.00 or higher.
Loan amounts from $100K to $1.5M for purchase, refinance, or cash-out refinances.
Over 730K clients. 23 years’ experience. One goal: helping you build a brighter future.
See your best loan options with technology that analyzes your finances in real time.
Pick the right loan and term that helps you achieve your unique homeownership goals.
Get approved and funded quickly, so you can enjoy your new financial freedom.
See your best loan options with technology that analyzes your finances in real time.
Pick the right loan and term that helps you achieve your unique homeownership goals.
Get approved and funded quickly, so you can enjoy your new financial freedom.
DSCR (Debt Service Coverage Ratio) loans qualify on the property's cash flow instead of your personal income - a fundamentally different approach to investment property financing.
DSCR loans unlock investment property financing for borrowers who don't fit conventional underwriting, but flexibility comes at a price.
Tax returns, W-2s, and DTI calculations don't factor in; the property's cash flow is what qualifies.
Less documentation to gather, verify, and underwrite.
Each property qualifies on its own merits; portfolio size isn't capped by personal DTI.
Many DSCR programs lend to LLCs, partnerships, or trusts; useful for asset protection and tax planning.
Single-family rentals, multi-family up to four units, short-term rentals; wider property type acceptance.
Typically 0.5 to 1.5 percentage points above conventional investment property rates; the spread widens for short-term rentals, lower DSCR ratios, or weaker credit.
20–25% minimum is standard; some property types require more.
The property's rental income must cover the mortgage payment by a minimum ratio (typically 1.0–1.25).
Many DSCR programs include prepayment penalties to protect the lender's yield.
DSCR loans are strictly for investment properties.
DSCR qualification is property-driven, not income-driven, but specific thresholds must be met.
The property's monthly rental income (actual or market-based) divided by the proposed mortgage payment, typically 1.0 to 1.25+ depending on program.
620–680+ typical, depending on the program and down payment.
20–25% minimum for most programs; can be higher for short-term rentals or certain property types.
Often 3–6 months of mortgage payments in liquid assets at closing.
A DSCR loan is a type of mortgage for investment properties that looks at the property's rental income instead of the borrower's personal income, tax returns, or work history to see if they qualify. Continue Reading...
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.
