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 answer comes from the Debt Service Coverage Ratio (DSCR). It’s calculated by dividing the property’s monthly net income by the monthly loan payment.
For example, if a rental brings in $3,000 and the mortgage is $2,500, your DSCR is 1.2. Most lenders want to see at least a 1.0.
Instead of verifying personal income, lenders focus entirely on the property’s performance. That means no tax returns, pay stubs, or W2s.
This approach is ideal for investors who value speed and less red tape. DSCR loans typically offer:
- Streamlined documentation
- Interest-only and fixed-rate options
- Nationwide lending for short-term rentals, multifamily, and more
With strong property cash flow, you can move faster and grow with fewer roadblocks.
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
Our licensed team brings years of hands-on mortgage experience. We navigate loan programs, change markets, and address client needs with confidence and clarity. We simplify what others complicate.
Personalized Lending Strategies
No two borrowers are alike. You might be building a portfolio or refinancing a rental. We shape the loan to fit your structure.
Local Access, Statewide Service
Based in Burbank and serving DSCR loans nationwide, we’re easy to reach—in person, online, or over the phone. We’re flexible because your time matters.
Clear Communication, Always
You’ll get honest advice, direct answers, and full transparency from the first call to closing day. And if you prefer to speak Russian, our bilingual team is here to help.
Full-Spectrum Mortgage Solutions
From DSCR loans to VA, jumbo, and first-time buyer programs, we offer a full suite of mortgage options—backed by strategy, not just sales.
Have Questions? Reach us out:
Hours: Monday-Friday 10:00 AM - 5:00 PM
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
DSCR loans are built for real estate investors who don’t fit into traditional lending boxes.
Who Can Qualify for a DSCR Loan?
DSCR loans are built for real estate investors who don’t fit into traditional lending boxes.
If you’re self-employed, investing through an LLC, or scaling your rental portfolio, this loan structure works in your favor. Instead of focusing on your job history or personal income, lenders look at the numbers from your property.
Here are the common DSCR loan requirements:
- 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
DSCR loans are designed to move with investors. If the deal works on paper, you’re already halfway there.
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—not their personal financials.
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.
A DSCR investment loan gives you more control and fewer roadblocks—so you can focus on returns.
Where We Lend
We offer DSCR loans in over 25 states and understand the nuances of local markets nationwide.
From California to Colorado to Michigan, our team connects real estate investors with DSCR loan lenders who know how to get deals done.
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?
Most DSCR lenders look for a credit score of 660 or higher. Some programs allow scores as low as 620, but that may come with higher rates or stricter terms.
What is a good DSCR ratio for approval?
A DSCR of 1.0 or higher typically meets the minimum loan guidelines. That means your property’s income at least covers the loan payment. A higher ratio (like 1.2 or 1.3) may unlock better terms.
What are the down payment requirements?
Most DSCR loan down payment requirements are between 20% and 25%. Some lenders offer 15% down options for strong deals, but this depends on the property, credit score, and DSCR ratio.
How to qualify for a DSCR loan?
Qualification comes down to this: the property’s income needs to cover the loan. While exact DSCR loan guidelines vary by lender, most focus on four things: your credit score, your property’s DSCR ratio, the down payment, and the asset type.
What kind of interest rates should I expect?
DSCR loan interest rates vary based on credit score, DSCR ratio, and property type. They’re typically 1–2% higher than traditional loans, but investors often trade a slightly higher rate for speed, simplicity, and flexibility.
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