DSCR Loans for Real Estate Investors

Built for Investors Scaling a Portfolio

DSCR — Debt Service Coverage Ratio — loans are the workhorse financing tool for investors. Instead of qualifying you on personal income, the lender qualifies the deal: does the property’s rent cover its mortgage payment? If yes, you qualify. That means you can keep buying rentals without your personal DTI getting in the way.

How DSCR Loans Work

The lender divides the property’s monthly rent by its monthly PITIA payment to get the DSCR ratio. A ratio of 1.0 means rent covers the payment exactly; above 1.0 is positive cash flow. Programs vary — some require 1.0+, others go below 1.0 with adjusted pricing.

What we don’t need:

• Tax returns
• Employment verification
• Personal income docs
• DTI calculation

What we do need:

• Credit report
• Property appraisal with rent schedule
• Down-payment and reserve verification

Common Use Cases

• Long-term rental purchase (SFR, 2–4 unit, condo, townhome)
• Cash-out refinance to pull equity for the next deal
• Portfolio investors maxed out on conventional Fannie Mae limits
• BRRRR exit financing
• LLC or corporation-titled investment property

Why Use UWL for DSCR Financing

DSCR pricing moves fast and varies sharply between lenders — even on the same property profile, two lenders can be 0.5% apart on rate. We shop your scenario across multiple wholesale DSCR lenders on every file, then close with whichever one has the best combination of rate, fees, and timeline that week.