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DSCR Loans
Qualify on the property's income - not yours. I'm Erik Kinsley, and I help real estate investors across San Diego and Riverside County finance rental properties without personal income verification.
No Personal Income Docs
No W-2s, no tax returns. Qualification is based on the property's rental income vs. its monthly debt payment (the DSCR ratio).
No Limit on Financed Properties
Each financed property qualifies on its own merits - most lenders want a 1.0+ ratio, with 1.25+ typically getting the best pricing.
Streamlined Process
Access to multiple lenders means we can find the best loan program for your specific situation, ensuring a faster and more efficient approval.
Expert Guidance
As a licensed mortgage broker, we provide the expert guidance needed to structure DSCR financing around your investment property's cash flow.
Who DSCR Loans Are For
These programs are built for real estate investors whose personal income doesn't tell the full story of their ability to repay.
Real Estate Investors
Buyers purchasing rental properties who want to qualify using the property's cash flow instead of personal income or tax returns.
Self-Employed Owners
Self-employed borrowers whose tax write-offs understate their true income can now qualify using rental cash flow instead.
Growing Portfolio Landlords
Investors scaling past the financed-property limits and DTI restrictions that come with conventional lending.
How to Qualify
Meeting these standard criteria helps ensure a smooth approval process for your DSCR loan.
Property must generate sufficient rental income (DSCR of 1.0-1.25+ typically preferred)
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Generally 620–680+ credit score depending on lender
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Down payment typically 20-25% for investment properties
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Cash reserves often required (typically 6-12 months of payments)
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Property must be non-owner-occupied (investment or rental use)
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Myth
DSCR loans are only for full-time real estate investors.
Reality
They are a mainstream investment financing tool that lets real estate investors qualify using the property's cash flow instead of personal income.
DSCR Loan FAQs
Do I need to provide tax returns?
No, DSCR loans don't use tax returns or personal income. Qualification is based on the property's rental income covering its debt payments.
How is my income calculated?
The lender calculates the property's Debt Service Coverage Ratio by dividing its monthly rental income by its monthly mortgage payment (principal, interest, taxes, insurance). Most programs require a ratio of 1.0 or higher.
Guidelines and eligibility vary by lender, and DSCR loans are considered non-QM products. This information is for educational purposes only and is not a guarantee of approval or loan terms.