BLAZE HOME LOANS
DSCR loans
A debt service coverage ratio (DSCR) loan is an investor financing option that may evaluate a rental property’s income against its debt obligations. The selected lender sets its own underwriting rules.
MLO review pending: Bo Grant, NMLS #1565547 · Last updated September 23, 2026
Who might consider this program?
Real estate investors evaluating a rental purchase or refinance may compare DSCR financing with conventional investment loans.
Eligibility and documents
Lenders may review projected or existing rent, credit, assets, reserves, down payment and the property. Documentation and ratio thresholds vary.
Property considerations
The property’s use, valuation, condition and rental assumptions must satisfy the selected lender. A projected rent figure does not guarantee qualification.
Limits to understand
DSCR does not mean no credit review, no assets or automatic approval. It is generally for investment properties rather than an owner-occupied home.
Common questions.
Does rental income replace every other requirement?
No. Credit, reserves, down payment and property approval can still be required.
Can I use DSCR for the house I live in?
These programs are typically designed for investment property. Discuss your occupancy plans before choosing a program.
Learn from the primary source
CFPB mortgage resources ↗Government program information comes from the administering agency. Blaze is independent and is not affiliated with or endorsed by any government agency.