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DSCR Loans for Real Estate Investors
Get $75K to $3.5M — No W-2 Required

Qualify on Rental Income · 30-Year Fixed · No Impact to Credit Score

Qualify on Rental Income Only — No W-2 or Tax Returns
30-Year Fixed Terms Available
Rates as Low as 5.99% APR
Up to 80% LTV Financing
DSCR as Low as 0.75 Considered
No Impact to Credit Score to Apply
🧮 Try Our Free DSCR Calculator — See If You Qualify in 30 Seconds

Get Your DSCR Loan Options

Investment Property Only • No Impact to Credit Score

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A loan specialist will contact you within 1 business day with your financing options.

Top Rated DSCR Loan Lenders

Why Get a DSCR Loan
with LendingStreet

LendingStreet's DSCR loan program is built for real estate investors who want to grow their rental portfolio without the red tape of traditional income verification. Qualification is based on the property's Debt Service Coverage Ratio — not your W-2, tax returns, or employment status.

Self-employed investors, those with complex tax situations, and portfolio landlords consistently choose DSCR loans because they offer competitive rates, 30-year terms, and the ability to scale without personal income scrutiny.

Get My DSCR Options →

DSCR Rental Loan

Qualify on rental income — not your personal W-2 or tax returns

30-Year Fixed Terms Available
$75K to $3.5M Loan Amounts
Up to 80% LTV
DSCR as Low as 0.75
No W-2 or Tax Returns
Rates From 5.99% APR
Get My DSCR Options →
✓ 85% Approval Rate
Investor Insights
Why Investors Choose DSCR Financing

14 rental properties, self-employed, no W-2. LendingStreet got me a DSCR loan at a rate my bank couldn't match. Seamless from start to finish.

Diana R.
Portfolio Landlord · Miami, FL

My accountant writes off everything, so my taxable income looks terrible. DSCR was the only way I could expand my portfolio. Funded in 18 days.

Tony M.
Real Estate Investor · Phoenix, AZ

Best rates I found anywhere for a DSCR product. My 8-unit property qualified easily and the 30-year term keeps my cash flow strong.

Patricia W.
Multifamily Investor · Chicago, IL
Process
Apply in 3 Easy Steps
1

Inquire for Free

Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.

2

Upload Documents

Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.

3

Get Funded

Receive your loan offer with competitive rates and terms. Funds deposited directly to your account — as fast as 5 business days.

$4,360,500,920
Dollars Funded
8,196
Real Estate Loans
99.2%
Client Satisfaction
FAQ
DSCR Loan FAQs
What is a DSCR loan? ▼
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income of the investment property rather than the borrower's personal income. The DSCR is calculated by dividing the property's gross rental income by the total monthly debt payments (principal, interest, taxes, insurance, and HOA). A DSCR above 1.0 means the property generates more income than it costs.
Do I need a W-2 or tax returns? ▼
No. DSCR loans do not require W-2s, tax returns, pay stubs, or any form of personal income verification. Qualification is entirely based on the property's rental income relative to its debt service.
What DSCR ratio do I need? ▼
Most lenders prefer a DSCR of 1.0 or higher. Our network includes lenders who will consider ratios as low as 0.75 for strong borrowers or properties in high-demand markets. A higher DSCR typically results in better rates and terms.
What property types qualify? ▼
DSCR loans work for single-family rentals (1–4 units), condos, townhomes, small multifamily (5–8 units), and in some cases short-term rentals where AirDNA data is used to determine market rent.
Can I use DSCR loans for multiple properties? ▼
Yes. DSCR loans are ideal for building a rental portfolio because they don't impact your personal DTI (debt-to-income) ratio in the same way conventional loans do. Many investors close DSCR loans on multiple properties per year.
Are there prepayment penalties on DSCR loans? ▼
Most DSCR loans include a step-down prepayment penalty (e.g. 5-4-3-2-1%) for the first 1–5 years. Some programs offer no-prepay options at slightly higher rates. Your loan officer will go over all prepayment terms upfront.
Free Tool
Calculate Your DSCR Instantly

Find out if your rental property qualifies for a DSCR loan in 30 seconds. No personal income verification needed — just enter your rent and estimated monthly payment.

The DSCR Formula
DSCR  =  Rent  ÷  PITIA
PITIA = Principal + Interest + Taxes + Insurance + HOA
Simply compares how much rent your property earns vs. what it costs each month.
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Above 1.0 — Strong QualifierRent covers all expenses. Positive cash flow. Best rates available.
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Exactly 1.0 — Breaking EvenRent equals expenses. You may still qualify with strong credit.
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Below 1.0 — Special Programs ApplyLendingStreet lenders consider DSCR as low as 0.75. Ask us.

DSCR Calculator

Free · Takes 30 Seconds · No Credit Pull

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Your DSCR
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Monthly Rent
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Total PITIA
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Get My DSCR Loan Options →
Why LendingStreet
Why Choose LendingStreet
⚡

Fast Approvals & Funding

Pre-approvals in 48 hours. Our lender network moves at the pace your deal requires — funding as fast as 5–7 business days.

💰

Lowest Cost

Our infrastructure keeps rates and fees 25–50% lower than most competitors — for every investor level, credit tier, and deal size.

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Simplified Process

End-to-end from application to funding is smooth, transparent, and stress-free. No unnecessary paperwork. No runaround.

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10+ Years Experience

Over a decade serving real estate investors. Thousands of funded deals. Our lender relationships are unmatched.

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Proud Member
American Association of Private Lenders (AAPL)

We Are Here to Help

Contact one of our experienced loan specialists today.

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NOTE: For a FASTER Response, please Inquire Using Form · Business Hours: 24/7
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Not all applicants will qualify. Loan terms, rates, and availability vary by state, property type, and borrower qualifications. This is not a commitment to lend. NMLS ID# 1734316. Equal Housing Opportunity. Investment property only — not for primary residences.