Master Your Portfolio with dscrloanhq
Your ultimate resource for debt service coverage ratio financing. Learn how to qualify with no tax returns or income verification and find the best lending programs today.
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Why Investors Rely on dscrloanhq
The most comprehensive resource for understanding non-QM lending. We help you decode the complexities of debt service coverage ratio financing.
No Income Verification
Instead of tax returns and pay stubs, DSCR programs qualify investors based on the property's rental income, not personal finances.
Fast Investor Closing
The streamlined process and dedicated investor-focused underwriting allow these programs to close deals significantly faster than conventional loans.
Portfolio Scaling
Unlike conventional limits, DSCR financing allows professional investors to scale their portfolios indefinitely with the right capital partners.
Common Questions & Requirements
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a mortgage for real estate investors that uses the property's cash flow to qualify for the loan, rather than the borrower's personal income.
What are the common DSCR loan requirements?
Common requirements include a minimum credit score of 620, a down payment of 20-25%, and a DSCR ratio of 1.0 or higher (though some lenders go lower).
How are DSCR loan rates determined?
Rates are influenced by your credit score, LTV (Loan to Value), and the DSCR ratio of the property. Typically, they are 1-2% higher than conventional owner-occupied rates.
Top DSCR Lenders of 2025
We've analyzed 50+ lenders to find the best rates and requirements for real estate investors.
Easy Street Capital
- ✓ 'EasyRent' Specialized Program
- ✓ No DTI Required
- ✓ Closing in as little as 48hrs
Beeline Loans
- ✓ Fully Digital Process
- ✓ Partner Dashboard Tracking
- ✓ Business Purpose Specialized
New Silver
- ✓ Instant Proof of Funds
- ✓ Flip to Rent Options
- ✓ No Appraisal (Selective)
RCN Capital
- ✓ Lower FICO Friendly
- ✓ Long-Term Rental Focus
- ✓ National Footprint
Navigator Private Capital
- ✓ Fix & Flip Hybrid
- ✓ Bridge to DSCR
- ✓ Personalized Underwriting
Looking for state-specific lenders? View Local Lender Directory →
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