Scale Your Portfolio on Property Cash Flow, Not Personal Tax Returns.
Last updated October 14, 2026
DSCR loans are business-purpose loans, so we can arrange them for rental properties in Illinois, Texas, Florida, Georgia and many other states. You qualify on the property's rent, not your tax returns: if the rent covers the mortgage payment, the property may qualify. Close directly in your LLC, on a single rental or a 50-door portfolio, with a typical 21–30 day timeline.
Program terms and timelines as of October 13, 2026; subject to change. Availability varies by state. No closing timeline is guaranteed.
DSCR Calculator
See if your rental property qualifies in seconds - no signup required.
This property qualifies, but the margin is tight.
This calculator provides an estimate for informational purposes only and is not a commitment to lend. Actual DSCR, rate, and qualification will vary based on individual loan terms, property details, and underwriting guidelines. ABS Home Mortgage, Inc., NMLS ID #209985. Equal Housing Lender. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.
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What Is a DSCR Loan?
A DSCR loan - short for Debt Service Coverage Ratio loan - is a mortgage designed specifically for real estate investors. Instead of qualifying based on your personal income, tax returns, or debt-to-income ratio, the lender qualifies the property's rental cash flow.
If the rent the property brings in covers the monthly mortgage payment (principal, interest, taxes, insurance, and HOA), it qualifies. That's it. No W-2s, no pay stubs, no K-1s, no employment verification - and you can close in the name of an LLC, LP, or corporation for asset protection.
DSCR loans are the fastest-growing loan type for buy-and-hold investors, short-term rental (Airbnb / VRBO) operators, and self-employed borrowers who don't fit inside conventional Fannie Mae / Freddie Mac guidelines but have strong-performing rental assets. They're also part of a broader family of Non-QM loans that includes bank statement, asset-based, and 1099 income programs.
DSCR Loan at a Glance
- Qualifies on rental income, not personal income
- No tax returns, W-2s, or DTI required
- Close in an LLC, LP, or corporation
- 1–8 unit rentals, condos, and short-term rentals
- Loan amounts $100K to $3.5M+
- Up to 80% LTV on purchase and rate/term
How Do DSCR Loans Work?
DSCR loans replace personal income documents with a single, simple math question: Does the rent cover the payment?
PITIA = Principal + Interest + Taxes + Insurance + HOA (Association dues)
Quick Example
A single-family rental in Texas:
- Monthly Rent
- $2,400
- Monthly PITIA
- $2,000
- DSCR
- 1.20 ✓
Rent covers the payment by 20% - this property qualifies with strong pricing.
What You'll Provide
- Photo ID and credit authorization
- Signed lease or market-rent appraisal (Form 1007)
- LLC / entity docs if closing in a business
- 2 months of bank statements for reserves
- Property insurance quote
No tax returns. No pay stubs. No employer verification.
Why Investors Choose Our DSCR Program
A cleaner path to scale a rental portfolio - designed for investors, not W-2 borrowers.
Zero Personal Income Verification
We qualify the asset, not you. Skip the pay stubs, K-1s, and complex DTI calculations entirely.
The Math is Simple
If the property's gross rent covers the PITIA payment, you may qualify. We offer solutions for DSCR ratios as low as 0.75.
Finance Any Strategy
We fund long-term single-family rentals, 2–8 unit small multifamily, condotels, and Airbnbs.
Scale Without Limits
Break past conventional 10-property caps. Unlimited financed properties, portfolio pricing for 5+ doors, and rapid 21-day closings.
Regional execution matters
Local DSCR Expertise in FL, TX, IL & GA
Select a state to see how local property, tax, insurance, and title considerations shape our approach.
Short-Term Rental and Coastal Expertise
Full support for Airbnb/VRBO financing across Orlando, Tampa, and coastal markets using AirDNA projections. We proactively structure escrows to clear coastal insurance hurdles.
DSCR by State
Investing in another state? Because DSCR loans are business-purpose loans, we can arrange them in many states beyond these four. Call 630-357-1600 or toll free 1-866-666-2378 and we'll confirm whether we can finance a property in your state.
States Where We Arrange DSCR Loans
DSCR loans are business-purpose loans for investment properties, so we can arrange them in most states. We currently arrange DSCR loans for rental properties in:
- Alabama
- Alaska
- Arkansas
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Washington, D.C.
DSCR loans are not currently available for properties in Arizona, California, Idaho, Michigan, Minnesota, Montana, Nevada, North Dakota, Oregon, South Dakota, Utah, Vermont or Virginia. Availability can change; call us to confirm for your property.
Program at a Glance
Real numbers, not marketing fluff. Actual terms depend on credit, LTV, property type, and DSCR - we'll price your exact scenario in one call.
- Loan Amounts
- $100,000 – $3.5M+
- Max LTV - Purchase / Rate-Term
- Up to 80%
- Max LTV - Cash-Out
- Up to 75%
- Minimum DSCR
- 0.75 (no-ratio available)
- Minimum FICO
- 660 (620 case-by-case)
- Terms
- 30-yr fixed, 5/6 & 7/6 ARM, Interest-Only
- Property Types
- SFR, 2–8 units, condos, non-warrantable, STR
- Vesting
- Individual, LLC, LP, Corp
- Prepayment
- 3/2/1, 5/4/3/2/1, or none
- Reserves
- 3–6 months PITIA typical
How the Process Works
- 1
Get a Quick Quote
Share the property address, estimated value, and expected rent. We'll return terms and a DSCR estimate in hours, not weeks.
- 2
Submit a Simple File
ID, credit authorization, a signed lease or market-rent appraisal, and entity docs if closing in an LLC. No tax returns required.
- 3
Appraisal & Underwriting
We order a 1007 rent schedule with the appraisal so DSCR is confirmed the same time value is confirmed.
- 4
Close in 21–30 Days
Sign at a title company or via remote online notary and start (or keep) collecting rent.
DSCR Loan FAQs
Ready to Finance Your Next Rental?
Get a real DSCR quote - with actual rate, LTV, and payment - in as little as one business day.
Toll Free: 1-866-666-2378 (866-666-BEST)
Also see: all loan products · jumbo loans · mortgage calculators
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