Qualify on the property's rental income — not your tax returns.
DSCR stands for Debt Service Coverage Ratio. Instead of looking at your personal income and tax returns, this loan qualifies you on whether the property's rent covers its mortgage payment. That's a game-changer for investors.
If you're self-employed, write off a lot, or are scaling a portfolio, DSCR lets you keep buying without the usual income-documentation headaches. Typically 20–25% down.
Real estate investors, self-employed buyers, and anyone building a rental portfolio.