Investing
What Is a DSCR Loan?
A DSCR loan is investment property financing qualified primarily on the property's rental income. Lenders divide expected rental income by the property's debt payment to produce a debt service coverage ratio.
How the ratio works
If a property's rent covers more than its mortgage payment, taxes and insurance, the ratio is above 1.0. Lenders set their own minimum ratio, and pricing typically improves as coverage increases.
Who it fits
Investors who want to qualify without full personal income documentation, or who are growing a portfolio where traditional debt-to-income calculations become limiting.
What to plan for
Down payment requirements, reserves and pricing generally differ from owner-occupied financing. Rental income is usually supported by a lease or a market rent analysis.
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