DSCR Loans
DSCR Investment Property Loans
Qualify on the property's rental cash flow - not your personal income. The investor's tool for scaling a Sacramento rental portfolio.
What is DSCR?
DSCR (Debt Service Coverage Ratio) compares a property's rent to its total mortgage payment (PITIA). A DSCR of 1.0 means rent covers the payment; higher ratios earn better pricing.
- No personal income or employment documentation required.
- Qualify on rent vs payment - ideal for investors with write-offs.
- No limit mindset - build a portfolio across multiple properties.
- Purchase or refinance single-family, condos, and small multifamily.
New to investing? Pair DSCR strategy with our investment property guidance.