DSCR loans use the property's cash flow to determine eligibility — no tax returns or personal income docs required.
LYONS Mortgage Services, Inc.
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in loans funded for investors.
to approval on a clean DSCR deal.
qualify using the property's rental income.
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on whether the property's rental income covers its mortgage payment — not your personal income. DSCR = monthly rent ÷ monthly debt payment. A ratio of 1.0+ generally means the property pays for itself.
Yes. With a DSCR loan the projected or actual rental income is the primary qualifier. If the rent meets or exceeds the mortgage payment, you can typically qualify — even with no W-2 or tax-return income.
Programs like DSCR, no-income-doc, and asset-based loans skip tax returns, pay stubs, and employment verification. Underwriting focuses on the property's cash flow, your credit, and your down payment instead.
Conventional investor loans cap how many properties you can finance and require full income documentation and DTI limits. DSCR loans have no personal DTI cap, allow LLC vesting, and let you scale to many properties as long as each one cash-flows.
No. The free Investor Loan Scenario Review is a soft inquiry only and won't affect your credit score.
Run either calculator, then submit your numbers. A real person follows up — usually before the day is out.