DSCR – Loans for Investment Properties

Need a DSCR Loan?

Mr Preapproval offers many DSCR Rental loan programs. Loans for real estate investors looking to buy or refinance using long-term or short-term rental. Loans available based on a property’s potential cash flow – not your tax returns or personal income.


DSCR Rental Property Loans

  • Starting with only 20% Down Payment
  • Our DSCR Loans start with only 20% down for Rental Properties, compared to other Lenders which do usually 25% Down.
  • Single Family Homes, 2-4 Units, and even options for 5-10 units
  • Purchase or Refinance
  • Blanket loans available (one loan for multiple properties)
  • All 50 States in USA


The Perfect DSCR Client

  • Self-employed investors with fluctuating income
  • Clients maxed out on traditional loans and debt ratio
  • Portfolio investors expanding aggressively
  • Borrowers with strong rental yields but complex tax returns
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Benefits of DSCR loans

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Qualification based on property income rather than personal income documents

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Flexible underwriting and credit guidelines

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Ideal for real estate investors, business owners, and portfolio builders

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Can be used for purchases or refinancing rental properties

Expand or Refinance Your Portfolio With Ease

DSCR Loans are not limited to new purchases—they can also be used to refinance existing rental properties to lower payments, access equity, or free up capital for additional investments. Whether your goal is to grow your portfolio, improve cash flow, or reposition assets, DSCR refinancing can provide the leverage you need. I’ll guide you in choosing a structure that supports both short-term returns and long-term financial freedom.

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DSCR QUICK PRE-APPROVAL - CHECK IF YOU QUALIFY:


"FAQs"

 DSCR = Debt Service Coverage Ratio loan. Basically, a mortgage that cares about how much rent your property can collect, not how much you make (or hide) on your tax returns. No W-2s, no pay stubs, no awkward “show me your last 2 years” interrogation. The property pays for itself — or it doesn’t get the loan. Simple! 

 DSCR = Monthly Gross Rent ÷ Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA if applicable). 

 Example: Rent brings in $2,500, PITIA is $2,000 → DSCR = 1.25. Translation: Your rental is flexing and covering the mortgage with cash left for tacos. Below 1.0? The property’s basically saying, “Nah, I’m broke too.”

 1.0 = break-even (rent covers payment exactly — lenders shrug and say “meh, okay”). 

  1.25+ = golden ticket for better rates and terms. 

 Some chill lenders go as low as 0.75–1.0 if your credit is baller and your down payment isn’t tiny. Pro tip: Higher DSCR = lender happy dance.

Real estate investors tired of proving income, self-employed folks whose tax returns look like they lost a zero, portfolio scalers, Airbnb hustlers, or anyone who wants to buy rentals without their accountant crying. If your day job income is “complicated,” this is your cheat code.

 Non-owner-occupied rentals: single-family homes, duplexes/quads (1–4 units), condos, townhomes, short-term vacation pads (Airbnb/VRBO). Must make money. Your primary home? Sorry, go bug conventional lenders for that.

Credit score and down payment — hit me with the deets.

Credit usually 620–680 minimum (higher = sweeter rates). Down payments 20–25% common (some push 15–20% LTV up to 85% if you’re a rockstar). Bigger down payment = lower risk = better terms. Math, baby.

Both! Snag a new cash-flowing rental, or refinance your existing ones to pull equity, drop payments, or escape a bad rate. It’s like giving your portfolio a glow-up.

Both! Snag a new cash-flowing rental, or refinance your existing ones to pull equity, drop payments, or escape a bad rate. It’s like giving your portfolio a glow-up.

Lightning-fast approval, minimal paperwork, no personal DTI drama, perfect for stacking properties like Tetris blocks, and ideal for self-employed hustlers who write off everything.

Heck yes! Lenders use market rent comps, appraisals, or rent schedules to project income. Your beach house that prints money on weekends? Totally eligible. Just don’t count on grandma’s “I’ll rent it someday” promise

Rates a smidge higher than vanilla conventional loans. Down payments chunkier. Not every property or borrower qualifies. And if your rental income tanks? The property still owes the bank — no free lunch. Compare apples to apples!

Message me! Fill out the DSCR Quick Application form the property address (or just a TBD), we crunch rent vs. payment numbers in like 5 minutes, pre-approve you with basically zero docs, and get you closing faster than your tenants can trash the place. Let’s make your next rental a money printer.