Rental property loans qualified by debt service coverage, not personal income. Share your deal to request quotes and compare your options.
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Compare DSCR Loans options
Top DSCR Lenders
Nationwide DSCR Loans lenders compared side by side. Review loan amounts, leverage, rates and terms, then request quotes to see real offers on your deal.
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Lender
Loan terms
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CCambridge Home Loan
Rates from 5.75% · Up to 85% LTV · DSCR from 0.75x
Listings are for information only. Rates, fees, leverage and licensing vary by lender, borrower and state, so confirm current terms directly. We are an independent comparison site, not a lender.
DSCR Loans: Close in as Few as 5 Days
If you are comparing DSCR Loans, this guide covers how this type of funding works, what lenders evaluate and how to move from first call to closing. Lenders operate across the country, so the same structure can be applied to a rental in Phoenix, a renovation in Atlanta or a new build in Nashville, while pricing and terms vary by local market.
Typical DSCR Loans terms
5.75%Rates from
85%LTV
0.75xDSCR
5 daysClose
Typical DSCR Loans terms
Qualification
Qualify on the property's rent: no tax returns or W-2s
Typical terms shown for illustration. Actual rates, leverage and timelines depend on the borrower, the property and underwriting.
Every file is reviewed on the strength of the property and the plan behind it.
How DSCR Loans Are Structured
A DSCR (debt service coverage ratio) loan is underwritten on the property's rental income rather than your personal tax returns, so the central question is whether the rent comfortably covers the mortgage payment. Each file is reviewed on its own merits, with local rents, comparable sales, property taxes and insurance costs all shaping the final terms. That is why two borrowers asking about the same loan type can receive very different offers.
What Lenders Look at for DSCR Loans
For this kind of loan, underwriting centers on the property's rent compared with its monthly payment, your credit profile, the down payment and your experience with rentals. A complete, well-organized package helps your request move faster and often leads to better terms.
Property details: location, condition, property type and recent comparable sales nearby.
Borrower profile: credit score, liquidity and real estate experience.
Deal structure: purchase price, down payment or equity and your planned exit.
Documentation: entity paperwork, an insurance quote and a clear scope or lease information.
Who Uses DSCR Loans
Typical uses include buying or refinancing long-term rentals, building a portfolio, and pulling equity out of stabilized properties. First-time investors value having each step explained in plain language, while experienced operators look for a lender that can repeat the process quickly across multiple properties and markets.
DSCR Loans Nationwide, with Local Detail
Rules on taxes, insurance, landlord-tenant law and foreclosure timelines differ from one state to the next, which is why we publish a dedicated page for each state. Choose your state below for local lending details, then send us your scenario.
DSCR Loans Timeline and Next Steps
Because there is no personal income paperwork to chase, many DSCR files move from application to closing in a few weeks, subject to the appraisal and title work. Most borrowers follow the same four steps: submit the scenario, review indicative terms, order the appraisal and title work, and close with a licensed settlement agent.
Rates, fees and licensing requirements depend on the loan and the borrower, so always confirm current terms with a lender licensed in your state. Use the form at the top of this page to share your deal and request quotes.
DSCR Loans by State
Choose your state to see how DSCR Loans work in your market, with local details on the cities and property types lenders typically serve.
Alabama
DSCR Loans
From Birmingham to Montgomery, Alabama borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. See typical terms, uses and what lenders look at.
From Anchorage to Juneau, Alaska borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. See typical terms, uses and what lenders look at.
Arizona offers fast-growing Sun Belt metros, strong rental demand and a large short-term rental footprint. Investors in Phoenix and Tucson use DSCR Loans to buy or refinance rentals based on property cash flow. Read the full Arizona guide for local details.
Local conditions across Arkansas, including low entry prices, steady rental yields and growth across Northwest Arkansas, shape every quote. DSCR Loans can help you buy or refinance rentals based on property cash flow. Read the full Arkansas guide for local details.
From Los Angeles to San Jose, California borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Read the full California guide for local details.
DSCR Loans for Colorado properties: rent-based underwriting tailored to markets like Denver, Colorado Springs and Aurora. Send your scenario for a state-specific quote.
With older housing stock, commuter towns and rental demand tied to New York and Boston, Connecticut rewards deal-specific underwriting. See how DSCR Loans works in Bridgeport and beyond. See typical terms, uses and what lenders look at.
Investing in Wilmington, Dover or Newark? DSCR Loans in Delaware centers on rent-based underwriting, so you can buy or refinance rentals based on property cash flow. Read the full Delaware guide for local details.
DSCR Loans for Florida properties: rent-based underwriting tailored to markets like Miami, Orlando and Tampa. Read the full Florida guide for local details.
From Atlanta to Augusta, Georgia borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. See typical terms, uses and what lenders look at.
Investing in Honolulu, Kailua or Kapolei? DSCR Loans in Hawaii centers on rent-based underwriting, so you can buy or refinance rentals based on property cash flow. See typical terms, uses and what lenders look at.
DSCR Loans for Idaho properties: rent-based underwriting tailored to markets like Boise, Meridian and Nampa. Read the full Idaho guide for local details.
DSCR Loans for Illinois properties: rent-based underwriting tailored to markets like Chicago, Aurora and Naperville. Send your scenario for a state-specific quote.
From Indianapolis to Evansville, Indiana borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Read the full Indiana guide for local details.
DSCR Loans for Iowa properties: rent-based underwriting tailored to markets like Des Moines, Cedar Rapids and Davenport. Read the full Iowa guide for local details.
Kansas offers affordable single-family homes and steady rents across the Kansas City and Wichita areas. Investors in Wichita and Overland Park use DSCR Loans to buy or refinance rentals based on property cash flow. See typical terms, uses and what lenders look at.
With low purchase prices, solid rental yields and growth in Louisville and Lexington, Kentucky rewards deal-specific underwriting. See how DSCR Loans works in Louisville and beyond. Read the full Kentucky guide for local details.
DSCR Loans for Louisiana properties: rent-based underwriting tailored to markets like New Orleans, Baton Rouge and Shreveport. See typical terms, uses and what lenders look at.
DSCR Loans for Maine properties: rent-based underwriting tailored to markets like Portland, Lewiston and Bangor. Send your scenario for a state-specific quote.
Maryland offers Baltimore row homes, Washington-area suburbs and Eastern Shore vacation properties. Investors in Baltimore and Columbia use DSCR Loans to buy or refinance rentals based on property cash flow. Send your scenario for a state-specific quote.
Local conditions across Massachusetts, including dense, high-value markets around Boston, college-driven demand and older multifamily homes, shape every quote. DSCR Loans can help you buy or refinance rentals based on property cash flow. See typical terms, uses and what lenders look at.
With affordable Detroit-area pricing, university towns and lake-country rentals, Michigan rewards deal-specific underwriting. See how DSCR Loans works in Detroit and beyond. Send your scenario for a state-specific quote.
DSCR Loans for Minnesota properties: rent-based underwriting tailored to markets like Minneapolis, Saint Paul and Rochester. See typical terms, uses and what lenders look at.
Investing in Jackson, Gulfport or Southaven? DSCR Loans in Mississippi centers on rent-based underwriting, so you can buy or refinance rentals based on property cash flow. Read the full Mississippi guide for local details.
From Kansas City to Springfield, Missouri borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. See typical terms, uses and what lenders look at.
Montana offers resort-driven demand, limited inventory and rising prices in Bozeman and Missoula. Investors in Billings and Missoula use DSCR Loans to buy or refinance rentals based on property cash flow. Send your scenario for a state-specific quote.
From Omaha to Bellevue, Nebraska borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Read the full Nebraska guide for local details.
With Las Vegas and Reno growth, a large rental base and tourism-driven demand, Nevada rewards deal-specific underwriting. See how DSCR Loans works in Las Vegas and beyond. Read the full Nevada guide for local details.
New Hampshire offers limited inventory, steady commuter demand from Boston and seasonal lake properties. Investors in Manchester and Nashua use DSCR Loans to buy or refinance rentals based on property cash flow. Send your scenario for a state-specific quote.
From Newark to Paterson, New Jersey borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Send your scenario for a state-specific quote.
DSCR Loans for New Mexico properties: rent-based underwriting tailored to markets like Albuquerque, Las Cruces and Rio Rancho. Read the full New Mexico guide for local details.
Investing in New York City, Brooklyn or Queens? DSCR Loans in New York centers on rent-based underwriting, so you can buy or refinance rentals based on property cash flow. See typical terms, uses and what lenders look at.
North Carolina offers strong in-migration, the Research Triangle, Charlotte's banking economy and coastal rentals. Investors in Charlotte and Raleigh use DSCR Loans to buy or refinance rentals based on property cash flow. Read the full North Carolina guide for local details.
From Fargo to Grand Forks, North Dakota borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Send your scenario for a state-specific quote.
Local conditions across Ohio, including affordable Midwest pricing, strong cash flow and a spread of metros from Columbus to Cleveland, shape every quote. DSCR Loans can help you buy or refinance rentals based on property cash flow. Read the full Ohio guide for local details.
Oklahoma offers low entry prices, steady rents and energy-sector jobs in Oklahoma City and Tulsa. Investors in Oklahoma City and Tulsa use DSCR Loans to buy or refinance rentals based on property cash flow. Read the full Oklahoma guide for local details.
With Portland-area demand, college towns and land-use rules that limit new supply, Oregon rewards deal-specific underwriting. See how DSCR Loans works in Portland and beyond. See typical terms, uses and what lenders look at.
From Philadelphia to Allentown, Pennsylvania borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Read the full Pennsylvania guide for local details.
Rhode Island offers a compact coastal market with older multifamily homes and university-driven rentals. Investors in Providence and Cranston use DSCR Loans to buy or refinance rentals based on property cash flow. See typical terms, uses and what lenders look at.
DSCR Loans for South Carolina properties: rent-based underwriting tailored to markets like Charleston, Columbia and Greenville. Read the full South Carolina guide for local details.
With small, stable markets with growth around Sioux Falls and Rapid City, South Dakota rewards deal-specific underwriting. See how DSCR Loans works in Sioux Falls and beyond. Read the full South Dakota guide for local details.
Tennessee offers Nashville's booming economy, Memphis value plays and Smoky Mountain cabin rentals. Investors in Nashville and Memphis use DSCR Loans to buy or refinance rentals based on property cash flow. Send your scenario for a state-specific quote.
From Houston to Austin, Texas borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Read the full Texas guide for local details.
Local conditions across Utah, including the fast-growing Wasatch Front, strong job growth and resort-town rentals, shape every quote. DSCR Loans can help you buy or refinance rentals based on property cash flow. See typical terms, uses and what lenders look at.
From Burlington to Rutland, Vermont borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Read the full Vermont guide for local details.
DSCR Loans for Virginia properties: rent-based underwriting tailored to markets like Virginia Beach, Norfolk and Richmond. Send your scenario for a state-specific quote.
From Seattle to Tacoma, Washington borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. Send your scenario for a state-specific quote.
From Charleston to Morgantown, West Virginia borrowers use DSCR Loans to buy or refinance rentals based on property cash flow, backed by rent-based underwriting. See typical terms, uses and what lenders look at.
Local conditions across Wisconsin, including stable Milwaukee and Madison markets, university rentals and lake-country properties, shape every quote. DSCR Loans can help you buy or refinance rentals based on property cash flow. Read the full Wisconsin guide for local details.
With small, tightly held markets, energy-linked demand and resort rentals around Jackson, Wyoming rewards deal-specific underwriting. See how DSCR Loans works in Cheyenne and beyond. Read the full Wyoming guide for local details.