Property-focused review
Eligible rental income and housing expenses are used to evaluate the property’s ability to support the proposed debt.
Apply securelyDSCR loans
Investment financing built around property cash flow.
A debt-service coverage ratio loan may help eligible real-estate investors qualify using the property’s rental income and expenses instead of relying primarily on traditional personal-income calculations.
Start with the scenario
Built for eligible investment-property scenarios.
Straight Deal Mortgage can compare eligible programs across a broad wholesale network and help identify the documentation and execution path that fits the complete transaction.
How the program works
Qualification built around the right information.
Investor flexibility
Programs may be available for purchases, rate-and-term refinances and cash-out transactions on qualifying investment properties.
Broad lender comparison
Loan-to-value, reserves, credit, experience and property rules vary, so comparing multiple investor programs can matter.
A clearer path forward
What to expect.
- 01
Share the property scenario
Provide the address, transaction type, estimated value or price, expected rent and current housing expenses.
- 02
Compare eligible structures
Review possible documentation, leverage, reserves, prepayment terms and pricing across available programs.
- 03
Complete underwriting
Submit the required borrower, entity, property, lease and appraisal documentation for lender review.
- 04
Close with clarity
Confirm final terms, required funds, vesting and closing conditions before signing.
Common questions
Answers before you apply.
What does DSCR mean?
DSCR means debt-service coverage ratio. It compares eligible property income with the qualifying housing expense under the applicable lender’s guidelines.
Do DSCR loans require personal income documents?
Many DSCR programs focus on property cash flow rather than a traditional debt-to-income calculation, but lenders may still require borrower, credit, asset, entity and property documentation.
Can a short-term rental qualify?
Some lenders offer programs for eligible short-term rentals, but accepted income methods, appraisal requirements, markets and property types vary.
Are DSCR loans only for purchases?
No. Eligible purchase, rate-and-term refinance and cash-out refinance structures may be available depending on the borrower, property and lender.
Continue researching
Read the detailed mortgage guide.
Learn the terminology, common documentation, potential tradeoffs and questions to ask before choosing a program.
Program terms, documentation, pricing, lender participation, property eligibility and availability vary by transaction and jurisdiction and may change without notice. All loans are subject to application, credit approval, property review, underwriting requirements and applicable law. This is not a commitment to lend.