Programs
DSCR loans for rental property.
Qualify the property on the rent it produces instead of your personal income. No tax returns, no W-2s, no debt-to-income calculation on you personally.
What DSCR actually measures
Debt Service Coverage Ratio is one division: the property’s rental income divided by its debt payment.
Debt service usually means principal, interest, taxes, insurance and any HOA dues — not just the mortgage payment.
A DSCR of 1.00 means the rent exactly covers the payment. Above 1.00, the property carries itself with room to spare. Below 1.00, it does not cover itself and you are funding the shortfall each month.
Most lenders want to see meaningful headroom above 1.00. Some will go below it at reduced leverage and higher pricing, because a property that does not cover its own debt is a different risk.
Why investors use it
- Your tax returns show low income after depreciation and write-offs
- You are self-employed and conventional documentation is painful
- You already hit the conventional financed-property limit
- You want to hold title in an LLC rather than personally
- You are scaling and want each property judged on its own merits
The trade-off
DSCR loans generally price above conventional investment financing, and many carry a prepayment penalty in the early years. If you might sell or refinance soon, read that clause carefully — it is where the real cost often sits.
Typical structure
Published market figures, not our rates. Full table and sources on the rates page.
- Starts at
- 5.50%
- Typical range
- 6.5% – 8%
- Term
- 30 years
- Max LTV
- 75 – 80%
- Min DSCR
- —
- Min credit
- 620 – 660 floor
- Best pricing
- 700+
What to send
- Property address
- Purchase price or current value
- Actual or market rent
- Taxes, insurance, HOA
- Entity name
- Credit band
Common questions
Does the property need a tenant already?
Not always. Many lenders will use market rent supported by an appraiser’s rent schedule. A signed lease is stronger, and on a vacant property it can improve both leverage and pricing.
Do short-term rentals qualify?
Some lenders allow it, using documented platform income rather than a long-term lease. Fewer lenders play in this space and terms differ, so flag it at submission.
Is my income verified at all?
Not for qualification. Reserves are usually still checked, and credit still matters, but there is no personal debt-to-income calculation.
Can I use it on a portfolio?
Yes — some lenders will write a single loan across multiple doors. Terms and release provisions vary a lot, so send the whole schedule at once.
Easy Lending USA is not a lender, a bank, or a mortgage broker. We do not make credit decisions or fund loans. All programs are business-purpose loans secured by non-owner-occupied investment real estate and made to business entities.
Related programs
If you need to acquire quickly or the property will not pass an appraisal in its current condition, hard money is the acquisition instrument and DSCR is the exit. For a renovation before the refinance, see fix and flip. Above four units or on mixed-use and retail, the file moves to commercial.
All seven structures are compared on the programs page, current market pricing with sources is on the rates page, and the FAQ answers how we are paid and what we do not do.