DSCR Loans
Rental-property financing evaluated around the property’s income and debt obligations.
A DSCR (debt service coverage ratio) loan is a non-qualified mortgage for investment properties that evaluates the property’s rental income relative to its housing payment.
Potential benefits
- Qualification focuses primarily on the property’s cash flow.
- Personal income documentation may not be required.
- Can suit investors with multiple properties.
General eligibility considerations
- Available only for qualifying investment properties.
- The property’s rental income relative to its payment is evaluated.
- Credit, down payment, and reserves are also considered.
Important limitations
- Rates and costs are often higher than conventional investment loans.
- Not available for primary residences.
- Prepayment penalties may apply on some programs.
Common questions
What DSCR is required?
Requirements vary by lender and program. Your loan expert can review a specific property’s numbers with you.
Can I use a DSCR loan for a short-term rental?
Some programs consider short-term rentals, with their own guidelines for documenting income.
Is DSCR Loan right for you?
Every situation is different. Book a no-pressure consultation and a licensed loan expert will review your goals and walk through the options that may fit.
Program descriptions are general information, not a loan offer or commitment to lend. Eligibility, rates, fees, and terms depend on your circumstances and lender requirements and are subject to change. Not all applicants will qualify.
From first call
to closing day.
Your BridgePoint loan expert walks you through every step, so you always know what is done, what is next, and what you will need.
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Move forward with confidence
Your dedicated team stays by your side through the details, decisions, and closing.
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