Debt Service Coverage Ratio (DSCR) Loans for Real Estate Investors
Finance Investment Properties Without Traditional Income Documentation
Call for a free home loan consultation
Debt Service Coverage Ratio (DSCR) Loans for Real Estate Investors
Finance Investment Properties Without Traditional Income Documentation
Call for a free home loan consultation
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) Loan is a type of no-income documentation mortgage designed specifically for real estate investors. Instead of verifying your W-2s or tax returns, lenders evaluate the cash flow the property generates.
If your property's monthly rental income covers or exceeds the mortgage payment, you may qualify—regardless of employment history or personal DTI.
We also offer competitive rates and terms on FHA refinances including both cash-out and FHA streamline home loans.
Call us today at (813) 669-4155 for a free quote and consultation.
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) Loan is a type of no-income documentation mortgage designed specifically for real estate investors. Instead of verifying your W-2s or tax returns, lenders evaluate the cash flow the property generates.
If your property's monthly rental income covers or exceeds the mortgage payment, you may qualify—regardless of employment history or personal DTI.
We also offer competitive rates and terms on FHA refinances including both cash-out and FHA streamline home loans.
Call us today at (813) 669-4155 for a free quote and consultation.
Why Choose a DSCR Loan?
DSCR Loans are ideal for:
Real estate investors acquiring rental properties
Borrowers with complex income structures or limited documentation
Investors looking to refinance or expand portfolios quickly
LLC or entity borrowers seeking flexible qualification terms
DSCR Loan Highlights
No tax returns or employment verification required
Qualify based on property cash flow
Can close in personal name or under an LLC
Minimum DSCR as low as 0.75 in some cases
Loan amounts up to $2.5 million+
Interest-only options available
Short-term and long-term rental income accepted (Airbnb, VRBO, etc.)
Fast closings—ideal for competitive markets
How DSCR Is Calculated
The DSCR is calculated using this formula:
DSCR = Monthly Rent / Monthly PITI (Principal, Interest, Taxes, Insurance)
Example: If your rental brings in $2,000/month and your monthly PITI is $1,800, your DSCR is 1.11. Most lenders prefer a DSCR of 1.0 or higher, but some allow as low as 0.75.
Call us today at (813) 669-4155 for a free quote and consultation.
Why Choose a DSCR Loan?
DSCR Loans are ideal for:
Real estate investors acquiring rental properties
Borrowers with complex income structures or limited documentation
Investors looking to refinance or expand portfolios quickly
LLC or entity borrowers seeking flexible qualification terms
DSCR Loan Highlights
No tax returns or employment verification required
Qualify based on property cash flow
Can close in personal name or under an LLC
Minimum DSCR as low as 0.75 in some cases
Loan amounts up to $2.5 million+
Interest-only options available
Short-term and long-term rental income accepted (Airbnb, VRBO, etc.)
Fast closings—ideal for competitive markets
How DSCR Is Calculated
The DSCR is calculated using this formula:
DSCR = Monthly Rent / Monthly PITI (Principal, Interest, Taxes, Insurance)
Example: If your rental brings in $2,000/month and your monthly PITI is $1,800, your DSCR is 1.11. Most lenders prefer a DSCR of 1.0 or higher, but some allow as low as 0.75.
Call us today at (813) 669-4155 for a free quote and consultation.
100 S. Ashley Drive, Suit 1150, Tampa, FL 33602
HAF Business Associates provides commercial loans and business financing solutions. All loan programs are subject to approval based on applicant creditworthiness, property eligibility, and other factors. Loan terms, interest rates, and fees are subject to change without notice. This website is for informational purposes only and does not constitute a commitment to lend. HAF Business Associates is not responsible for any errors or omissions in the information provided. The availability of these products may vary based on individual qualifications and state regulations. All loan programs and terms are subject to change without notice. To ensure that you are receiving the most up-to-date and accurate information, please contact us directly.
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100 S. Ashley Drive, Suit 1150, Tampa, FL 33602
HAF Business Associates provides commercial loans and business financing solutions. All loan programs are subject to approval based on applicant creditworthiness, property eligibility, and other factors. Loan terms, interest rates, and fees are subject to change without notice. This website is for informational purposes only and does not constitute a commitment to lend. HAF Business Associates is not responsible for any errors or omissions in the information provided. The availability of these products may vary based on individual qualifications and state regulations. All loan programs and terms are subject to change without notice. To ensure that you are receiving the most up-to-date and accurate information, please contact us directly. Privacy Policy