How it works
DSCR (debt service coverage ratio) financing evaluates the subject property's rental income against its housing payment. Because personal income documentation moves to the background, investors can scale a portfolio without their own debt-to-income ratio becoming the ceiling.
What defines this program
- Qualification driven by property cash flow
- Entity vesting commonly permitted
- Purchase, refinance and portfolio strategies
Common fits
Questions borrowers ask
Can I close in my LLC?
Entity vesting is frequently allowed on investor programs. I confirm the requirements for the specific lender and state before you close.
Who are dscr & investor loans usually a good fit for?
Most often buy-and-hold investors, portfolio builders, llc-vested purchases. That list isn't a rule, though — plenty of files land here for reasons that don't show up on a bullet point, so it's worth asking even if you don't see yourself on it.
What should I have ready before we talk about dscr & investor loans?
Nothing formal. Tell me the property type and where it is, whether it's a purchase or refinance, how you're paid, and roughly what you're working with for down payment or equity. That's enough for me to tell you which direction actually makes sense before you pull documents together.
What will my terms look like?
Pricing, structure and qualifying guidelines vary by lender, property, occupancy and your full financial picture — and they change often. Rather than publish numbers that may not apply to you, I review your scenario directly and walk you through the real options available for it.
This page intentionally avoids quoting rates, down payments, credit-score minimums or underwriting requirements. Guidelines differ by lender, property type, occupancy and borrower profile — and they change. April Ramker reviews your scenario and tells you what applies to it.