33 States & Growing
Find your state below. Each state page includes DSCR loan requirements, rates, and eligible property types. Don't see your state? Contact us — our footprint is expanding.
DSCR Loan Blog & Guides
Everything you need to understand DSCR investing — from how the ratio is calculated to which markets are performing right now.
What Is a DSCR Loan and How Does It Work for Louisiana Investors?
DSCR loans let you qualify on rental income instead of W-2s. Here's how they work, what the requirements are, and why Louisiana investors use them.
Read the guide →What Is a DSCR Loan? No W-2s, No Tax Returns
DSCR loans qualify based solely on the property's rental income — no personal income verification required. Learn how the math works and who qualifies.
Read the guide →How to Calculate Your DSCR Ratio
DSCR = Net Operating Income ÷ Total Debt Service. Most lenders require 1.0–1.25. Run the numbers on your deal and see what ratio you need.
Use the calculator →DSCR Loans for LLCs — Vest Property in Your Entity
DSCR loans are one of the few mortgage products that vest directly in an LLC or corporation. Here's how entity vesting works and what changes for your deal.
Read the guide →DSCR Loan Requirements: Credit, LTV, Reserves & More
What credit score, down payment, and reserves do you need? Full breakdown of DSCR loan eligibility requirements across all property types.
View requirements →DSCR vs. Conventional Investment Property Loans
Conventional investment loans require personal income docs. DSCR doesn't. Full side-by-side on down payment, rates, and qualifying criteria.
Compare now →