DSCR loans
A DSCR loan is investment-property financing that may compare rental income with housing debt obligations. DSCR means debt service coverage ratio: the lender’s rental-income coverage calculation. It may suit investors comparing an alternative to standard personal-income underwriting.
Schedule a Call ↗Good fit if…
- You’re buying a property to rent to others.
- You’re refinancing an existing rental property.
- You want to compare rental-income underwriting with conventional options.
- You have leases or other rental information available for review.
- You want help matching financing to your intended rental use.
Things that can affect approval
- Supported rent and the lender’s coverage calculation.
- Credit history, available funds and reserves.
- Property condition, value and intended rental use.
- Ownership structure and supporting documents.
- The selected lender’s requirements.
Requirements depend on the whole picture. A quick conversation can help identify what needs a closer look before you rule yourself out.
Why use a broker for this loan?
Wholesale lenders can differ in accepted rental evidence, property types and ownership requirements. Blaze compares available options and helps explain how each lender evaluates the proposed rental. Approval still depends on underwriting; a lender’s coverage calculation does not establish that the investment will be profitable.
Frequently asked questions
Can I use DSCR for my own residence?
These programs are generally for investment property. Tell us your actual occupancy plan so we can compare financing appropriate to your intended use.
Does rent replace every other requirement?
No. Credit, assets, reserves, property eligibility and ownership documentation may still matter. Requirements depend on the lender and your full situation.
Does a qualifying calculation mean the rental will be profitable?
No. Your operating budget should also consider vacancy, maintenance and other costs. Financing eligibility and investment performance are different questions.
Should I check for a prepayment penalty?
Yes. Ask whether one applies and how the documents treat a sale, refinance or extra principal payment. Compare those terms with your intended holding plan.
Reviewed by Bo Grant, Owner/Broker, NMLS 1565547 · Reviewed October 8, 2026