DSCR loans qualify off the property’s rental cash flow — not your tax returns. Build your rental portfolio without W-2 or income verification headaches.
Our DSCR (Debt Service Coverage Ratio) loan program is built for rental property investors who want to scale without the burden of traditional income documentation. Qualification is based on the property’s rental income covering the mortgage payment — making it ideal for self-employed investors, full-time landlords, and portfolio builders.
With long-term fixed-rate options, no personal income verification, and competitive rates, DSCR loans provide a clean, scalable financing solution for your rental investments.
Why investors choose this program
Qualify based on rental income, not personal tax returns.
Long-term predictable payments for buy-and-hold investors.
Competitive leverage for purchase or refinance.
No cap on the number of financed rentals.
Hold title in your business entity for asset protection.
Pull equity from existing rentals to fund new deals.
Airbnb and VRBO income can qualify.
1–4 unit residential and small multi-family eligible.
Programs available for non-Canadian investors.
Close in as little as 21 days.
What you need to qualify
Minimum DSCR of 1.0 (some programs allow lower)
Minimum credit score of 660
Property appraisal with rental schedule (1007)
Lease agreement(s) or market rent analysis
LLC or other business entity preferred
Insurance with adequate coverage
20% minimum down payment
Liquid reserves (typically 6 months PITI)
Estimate the Debt Service Coverage Ratio for your rental property.
For estimation purposes only. Contact us for exact terms.
Debt Service Coverage Ratio measures how much a property’s rental income covers the mortgage payment. A DSCR of 1.25 means the rent is 1.25x the monthly payment.
Most programs require a 1.0 DSCR or higher, though some allow lower with offsetting strengths.
No. DSCR loans qualify off the property’s rental cash flow — no W-2s, tax returns, or pay stubs required.
Yes. Documented Airbnb / VRBO income can be used to qualify on many of our DSCR programs.
Yes. We strongly encourage holding title in an LLC for asset protection and clean accounting.
Get pre-qualified in minutes. Our team responds within 24 hours.