DSCR Investment Property Loans
Buy or refinance a rental on its cash flow
Qualify on the property's income, not your tax returns. The investor's tool for building a rental portfolio without the paperwork.
At a glance
Illustrative terms via licensed lending partners*
- Qualification
- Property DSCR (rent ÷ payment)
- Max LTV
- Up to 80%
- Term
- 30-year fixed and other options
- Property types
- 1–4 unit residential rentals
- Title
- Individual or LLC
- Income docs
- None required
How it works
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on whether a property's rental income covers its debt payment — not your personal income. If the rent covers the mortgage, you can qualify, even as a self-employed owner with complex returns.
It's the go-to product for investors and business owners growing a rental portfolio: no W-2s, no tax-return underwriting, and you can hold properties in an LLC.
Why business owners choose this
No personal income docs
Underwriting is based on the property's cash flow, not your tax returns.
LLC-friendly
Hold title in an LLC to separate your investments from your personal finances.
Portfolio-ready
Scale across multiple properties without the income-documentation ceiling of conventional loans.
Long-term, fixed
30-year fixed options keep payments predictable on cash-flowing rentals.
Is this right for you?
This option tends to be a strong fit when you're:
- Buying a rental property
- Refinancing an investment property to pull cash out
- Self-employed owners with complex tax returns
- Investors scaling a portfolio in an LLC
Common questions
What is a DSCR loan?
A DSCR loan qualifies you on a property's debt-service coverage ratio — its rental income relative to its loan payment — rather than your personal income. If the rent covers the payment, you can qualify.
Do I need to show tax returns?
No. DSCR loans don't require personal income documentation; underwriting focuses on the property's cash flow.
Can I hold the property in an LLC?
Yes — DSCR loans are commonly used by investors holding title in an LLC.
What DSCR do I need?
Many programs look for a ratio at or above 1.0 (rent covers the payment), with some allowing lower ratios at adjusted terms.
What properties qualify?
Typically 1–4 unit residential rental properties; ask about condos and short-term rentals.
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Learn more*Terms shown are illustrative and provided through AltFi's licensed lending partners. Actual rates, amounts, and terms depend on your credit, equity, property, and the product selected, and are subject to underwriting and approval. AltFi Real Estate is not a lender and does not make credit decisions. This is not a commitment to lend. Equal Housing Opportunity.
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