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Debt Service Coverage Ratio

A Debt Service Coverage Ratio (DSCR) loan is a flexible financing option tailored for real estate investors looking to grow their portfolios without the constraints of traditional lending requirements. As a non-QM (non-qualified mortgage) product, DSCR loans are ideal for investors who may not have standard income documentation such as W-2s or tax returns but can demonstrate a property's ability to generate sufficient rental income to cover the mortgage.

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DSCR Loan Information

A DSCR loan is a specialized mortgage designed for real estate investors. Unlike traditional loans that rely heavily on personal income verification, DSCR loans evaluate the property’s ability to generate enough rental income to cover the loan payments. This streamlined approach offers greater flexibility, especially for investors with complex or non-traditional income sources.

  • Investors Without Traditional Income Documents: Perfect for borrowers who prefer not to submit W-2s, tax returns, or employment details.
  • Self-Employed Borrowers: Ideal for those with irregular or hard-to-document income who still manage profitable rental properties.
  • Experienced Real Estate Investors: A great fit for those who already own multiple properties and may have reached borrowing limits under conventional guidelines.

  • Credit Score: Minimum score of 680, with better rates available for higher scores
  • Down Payment: Typically at least 25% of the property’s purchase price
  • DSCR Ratio: Minimum ratio of 1.2 (property income must exceed monthly expenses by 20%)
  • Property Value: Most lenders require a minimum value of $150,000
Why Choose a DSCR Loan?

DSCR loans allow investors to qualify based on property performance, not personal income making them a smart solution for expanding or optimizing real estate portfolios. Whether you're buying, refinancing, or trading up, DSCR financing offers a flexible, efficient path to grow your investment strategy.

Bravo Mortgage is here to guide you through it—clearly, confidently, and with a solution built around your goals.

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