DSCR Loans for Real Estate Investors
Financing based on the property’s ability to generate income, so you can grow your portfolio without leaning on personal tax returns or W-2s.
Financing based on property income
With a DSCR loan, qualification centers on the property’s rental income rather than the borrower’s personal income documentation. That makes it a strong fit for investors who want to expand without complicated paperwork.
- Approval focused on rental cash flow and housing expense
- Streamlined documentation compared with a conventional loan
- Purchase and refinance options for investment property
- Single-family, small multi-unit and other eligible rentals
Why investors choose DSCR Loans
Streamlined qualification
Approval centers on rental cash flow and expenses, not years of personal income statements.
Flexible property use
Financing for short-term, long-term or multi-unit rentals to fit your strategy.
Grow your portfolio
Add properties without hitting the same barriers tied to personal income.
Move faster
Less paperwork can mean a smoother path from application to closing.
Who it is for
- Real estate investors building or expanding a rental portfolio
- Self-employed borrowers whose tax returns understate income
- Investors who want to buy through an eligible entity structure
- Owners looking to refinance an existing rental
A loan that grows with your portfolio
Purchase
Acquire a new rental with qualification built around the property’s expected rent.
Refinance
Refinance an existing rental, with options that depend on value, balance and eligible income.
Ohio, Florida & Tennessee
Local licensing in three active investor states, with guidance from a lender-direct team.
DSCR financing in Ohio, Florida & Tennessee
Justus Sharp is licensed in all three states, so you work with one lender-direct team whether your next property is in the Buckeye State, the Sunshine State or the Volunteer State.
Ohio
Home base. Justus and the team are based in Grove City and know Columbus-area and statewide rental markets.
Florida
Long-term rentals, vacation properties and short-term rentals across Florida's investor markets.
Tennessee
Growing investor demand from Nashville to Knoxville, including Airbnb and mid-term rental strategies.
Run a quick DSCR estimate
Enter the monthly rent and the full monthly housing payment to see a rough ratio. This is an estimate only; a lender determines qualifying rent and payment.
- Ratio above 1.0: rent covers the housing payment
- Ratio at 1.0: rent equals the payment
- Ratio below 1.0: some programs may still be available
For illustration only. Not a loan offer or commitment to lend. Qualifying rent and requirements are determined by the lender and vary by program.
DSCR Loans questions answered
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is financing for real estate investors where qualification is based on the property’s rental income rather than the borrower’s personal income or tax returns.
How is a DSCR loan different from a conventional mortgage?
Conventional loans rely on W-2s, tax returns and personal debt-to-income ratios. DSCR loans focus on whether the property’s rental income can cover its housing expenses and debt payment.
Who is a DSCR loan best suited for?
Real estate investors, self-employed individuals, and anyone looking to purchase or refinance rental properties without traditional income documentation.
What types of properties qualify?
DSCR loans can be used for short-term rentals, long-term residential rentals and multi-unit investment properties. Eligibility depends on the specific program.
Do I need a high DSCR ratio to qualify?
Requirements vary. Generally a higher ratio improves approval chances and loan terms, but properties with lower ratios may still qualify depending on the program guidelines.
Program availability, rates, terms and qualification requirements vary by borrower, property and state, and are subject to change without notice. This is not a commitment to lend.
Explore our other investor loans
DSCR Airbnb / STR
Financing for short-term rentals using the property's rental performance.
Learn more →Ready to scale your rental portfolio?
Tell us about the property and your goals. Justus and the team will help you find the right DSCR structure.