How DSCR works
Lenders compare the property's expected rental income to its monthly housing costs. When the income covers the payment comfortably, the loan can be a strong fit.
Who it's for
- Investors buying rental properties
- Owners growing a portfolio
- Self-employed investors with complex tax returns
- Buyers who prefer to qualify on the property's income
What to expect
DSCR loans often require a larger down payment and cash reserves, and rates can differ from loans on a home you live in. Requirements vary by lender, which is why comparing matters.
The bottom line
If you're investing, the property itself can help you qualify. Let's see if the numbers work.
This is general information, not financial advice or a commitment to lend. All loans are subject to credit approval, and programs vary by lender and eligibility.