The DSCR education library

DSCR Loan Guide: Everything Investors Need to Know

Qualify on the property’s rent, not your tax returns. These guides walk the whole thing: the formula, the requirements, the trade-offs, and what a specialist actually does with your file. Written to teach, not to sell.

70+

Lenders in network

Monthly cash flow

+$320/mo

Example deal

1.15x DSCR
Rent $2,400 / PITIA $2,080

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The flagship guide

DSCR Basics

What Is a DSCR Loan? The Complete Guide for Real Estate Investors

DSCR loans qualify you on the property's rental income instead of your personal income. No tax returns, no W-2s. How they work, who they fit, what they cost.

Read the guide 12 min read

The library

All guides

DSCR Basics

DSCR Loan Requirements: What You Need to Qualify in 2026

DSCR loan requirements for 2026: 660 FICO, 20% down, a 1.0x ratio, and zero income docs. What the standard bar is, an...

10 min read

DSCR Basics

DSCR vs. Conventional Loans: Which Fits Your Next Rental?

DSCR vs conventional loans for rental property: income docs, the 10-property cap, LLC vesting, down payments, and whi...

11 min read

DSCR Basics

How to Calculate DSCR: Formula, Worked Examples, Calculator

To calculate DSCR, divide gross monthly rent by monthly PITIA. Worked examples, a live calculator, the tier scale len...

9 min read

DSCR Basics

DSCR Loan Rates: What Actually Sets Your Quote in 2026

DSCR loan rates are set per lender, not from one sheet. The six factors that actually move your quote, what you contr...

10 min read

Browse the 8 DSCR loan programs

Standard, No-Ratio, STR, Foreign National, and more. Stats and fit for each.

DSCR loans by state

Market data, deal examples, and specialist coverage across 45+ states.

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