Qualify on the property's cash flow — not your W-2.
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want to finance rental properties without the income documentation headaches of conventional financing. If the property cash flows, you can qualify.
What Is DSCR?
Conventional loans look at your personal income, employment history, and debt-to-income ratio. DSCR loans look at the property. Specifically, whether the rental income covers the mortgage payment.
A DSCR of 1.0 means the property breaks even. A DSCR above 1.0 means it cash flows positive. Most lenders want to see a DSCR of 1.0–1.25 or higher, depending on the program.
Simple Example:
Program Features
Who We Work With
Long-term buy-and-hold investors financing single-family or small multi-family properties in Rochester and Monroe County.
Buy, rehab, rent, refinance, repeat. We structure the financing around your exit strategy, not just the purchase.
Adding to an existing portfolio? DSCR loans don't count against your personal DTI the same way conventional loans do.
Rochester's rental market attracts investors from across the country. We work with non-resident buyers regularly.
STR financing is available — lender requirements have tightened, but options exist. Let's review your specific scenario.
Many DSCR programs allow LLC ownership. We'll structure the deal around your entity setup.
Documentation
DSCR loans require less personal income documentation than conventional loans, but the property documentation is thorough. Here's what to expect.
Start Your Scenario ReviewNationwide Investor Financing
DSCR, LLC lending, short-term rental financing, and nationwide investor programs — visit our dedicated investor platform.
Every deal is different. Let's talk through your property, your numbers, and what financing structure actually makes sense.