DSCR and Investment Property Programs

The Property Qualifies. You Don't Have To.

DSCR lending measures the deal, not your paycheck: rental income covers the payment, and the file stands on the property's own numbers.

How It Works

DSCR in plain English. Debt Service Coverage Ratio compares the property's rent to the payment. If the rent clears the payment, the file qualifies on that math, and personal tax returns stay out of the underwrite.

Short-term rental income programs credit projected or documented STR revenue where guidelines allow.

Small multifamily (2 to 9 units) is the overlooked middle: too big for most homebuyer programs, too small for commercial desks.

Portfolio growth with entity vesting welcome in many programs.

Fix and Flip, Its Own Discipline.

Short-term purchase-plus-rehab financing runs on different rails: ARV ceilings, staged draws, and speed measured in days. It has its own page here.

Explore Fix and Flip Financing →

Who This Is For

·Buy-and-hold investors scaling a portfolio
·Owners of 2-to-9-unit buildings
·Short-term rental operators
·LLC-vested acquisitions
·1031 exchange buyers on a timeline

A Common Scenario

"An investor finds a fourplex where the combined rents comfortably clear the projected payment. Personal tax returns never enter the file. The property's own ledger carries the approval, the title vests in the LLC, and the next deal starts from the same playbook. Illustrative example; every scenario differs."

What You'll Need

— Property address and rent roll (or market rent)
— Insurance quote
— Entity docs if vesting in an LLC
— Reserves per program
— Standard ID and asset statements

For Investor-Focused Realtors

Your buyer doesn't need a W-2 to close this. If you carry 2-to-9-unit listings, this page is the difference between a looker and a closer.

Program availability, terms, and qualification vary by scenario.

Scenario Review

Find Out in 60 Seconds If Your Scenario Fits.

60 seconds. No credit pull. No commitment.