DSCR Mortgage Loans
- 5-Star Rated Mortgage Broker
- Nationwide* Lending with Expert Guidance
- Perfect for Real Estate Investors
- Fast Approvals, Streamlined Documentation
- Office located in Los Angeles
What type of property are you refinancing?
Single Family
Multifamily
Condominium
Townhouse
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
What type of property are you purchasing?
Single Family
Multifamily
Condominium
Townhouse
Are you a first-time home buyer?
Yes
No
How will this property be used?
Primary Residence
Vacation Home
Investment Property
Estimate credit score
Excellent 770+
Good 660-719
Avg. 620-659
Below avg. 580-619
Poor <579
Final Step
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Summary
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Nationwide DSCR Program
Our DSCR loan program helps real estate investors finance properties across markets without the usual income verification hurdles.
We work with a nationwide network of the best DSCR lenders, offering access to competitive rates, flexible terms, and fast closings. Our team helps you qualify based on property cash flow.
What Is a DSCR Loan?
A DSCR loan, or Debt Service Coverage Ratio loan, is a type of real estate financing that allows you to qualify based on the income of the property. Instead of requiring tax returns, pay stubs, or W2s, lenders use a simple calculation:
Property Income ÷ Debt Payments = DSCR Ratio.
You’re eligible if the ratio meets the lender’s threshold (usually 1.0 or higher). This makes a DSCR mortgage loan ideal for real estate investors, LLCs, and self-employed borrowers who want fast and documentation-light approvals, especially when scaling portfolios across multiple properties.
How Does a DSCR Loan Work?
A DSCR loan answers this common question: Does the property generate enough income to cover its own loan payment?
The ratio is simple. Divide the monthly net income by the loan payment. For example, if a rental earns $3,000 and the loan is $2,500, the DSCR is 1.2. Most lenders want to see at least 1.0.
Here is a quick example:
An investor buys a $1.5M multi-family property in Los Angeles. It earns $150,000 in net income, with $100,000 in annual debt. The DSCR is 1.5, showing the property earns well above the loan requirement. With 25% down, the investor keeps cash free to fund more deals.
DSCR loans skip tax returns, W2s, and job checks. Lenders focus on the property’s income.
These loans are built for speed and flexibility:
- Minimal documentation
- Fixed or interest-only terms
- Nationwide use for rentals and multifamily
Strong cash flow helps you qualify faster and scale with fewer hurdles.
Why Choose ID Mortgage Broker
You deserve a lender who understands more than numbers—you need one who understands your strategy.
At ID Mortgage Broker, we make the lending process smooth, smart, and tailored to your financial goals.
Deep Industry Experience
Personalized Lending Strategies
Local Access, Statewide Service
Clear Communication, Always
Full-Spectrum Mortgage Solutions
In-Person at LA Office
1810 W Burbank Blvd #150, Burbank, CA 91506
Cell-phone
M-F 10 AM-5 PM (PST)
On-line
Simply e-mail or use online-chat
Learn More About DSCR Loans
Who Can Qualify for a DSCR Loan?
DSCR loans are built for real estate investors who do not meet traditional income requirements.
If you are self-employed, using an LLC, or growing your rental portfolio, these loans offer a direct path to approval based on property income.
Common DSCR loan requirements include:
- Minimum DSCR ratio: Typically 1.0 or higher
- Credit score: Often 660+, though some lenders allow lower scores with compensating factors
- Down payment: Usually 20–25% depending on the deal and property type
- Property type: Single-family homes, multifamily properties, short-term and long-term rentals
- Ownership structure: Individuals, LLCs, corporations, and trusts are often eligible
A higher DSCR ratio often leads to better loan terms. If the numbers work, most of the work is done.
Benefits of a DSCR Investment Loan
A DSCR investment loan removes the friction that slows most real estate deals.
It’s built for investors who want to move fast, minimize paperwork, and qualify based on the strength of the property.
Here’s why it works:
- No tax returns or W2s required: Skip the income documentation. Your rental property’s cash flow is what matters.
- Faster approvals and closings: Lenders focus on one metric: how the property performs. That speeds up underwriting.
- Ideal for growing a portfolio: DSCR loans are structured to support scale for those who are adding short-term rentals, duplexes, or LLC-held assets.
- Flexible across property types: Use it for single-family rentals, multifamily homes (up to 4 units), or Airbnb-style investments.
- Works with LLCs and self-employed investors: Title in your business name. No employment verification. Just clean, asset-driven financing.
- Property appraisals include rental income analysis, which may require a more detailed review than standard home loans.
A DSCR investment loan gives you more control and fewer roadblocks, letting you stay focused on returns.
Where We Lend
We offer DSCR loans in over 25 states and understand the nuances of local markets nationwide.
Our lending network connects real estate investors with DSCR loan lenders who know how to get deals done with expertise in markets such as:
- Arizona
- California
- Colorado
- Florida
- Georgia
- Idaho
- Illinois
- Nevada
- New Jersey
- North Carolina
- South Carolina
- Massachusetts
- Michigan
Each market brings different property types, pricing, and rental strategies. Our lending network adapts to support:
- Short-term rental buyers
- Out-of-state investors
- Multifamily portfolio owners
- First-time or experienced LLC borrowers
Ready to Get a DSCR Loan?
You’re already most of the way there.
With no tax returns, no W2s, and no employment checks, a DSCR loan gives you the flexibility to finance smarter. We’re here to help you move fast and with confidence.
Tap into the power of property-based financing.
- Fast approvals
- Flexible terms
- Nationwide support
- Investor-aligned process
Get a DSCR loan that works for your goals.
DSCR Loan FAQ
What credit score do I need to qualify?
What is a good DSCR ratio for approval?
What are the down payment requirements?
How to qualify for a DSCR loan?
What kind of interest rates should I expect?
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