Qualify for a rental property loan based on the property's rental income — not your W-2 or tax returns. Up to 80% LTV, rates from 6.75%, 30-year terms.
DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies borrowers based on the rental income generated by the investment property — not the borrower's personal income. This makes DSCR loans the ideal solution for real estate investors who are self-employed, have complex income, or want to keep their personal finances separate from their investment portfolio.
The DSCR ratio compares the property's monthly rental income to the monthly loan payment. A DSCR of 1.0 means the rent exactly covers the payment. Most lenders require a DSCR of 1.0 or higher.
Example: $2,000 rent ÷ $1,600 payment = 1.25 DSCR ✓
AGS Lending Partners brokers DSCR loans for single family rentals, multi-family properties, short-term rentals (Airbnb/VRBO), and mixed-use properties.
DSCR loans are built for real estate investors — here's who benefits most
If your tax returns don't reflect your true income, DSCR loans skip that entirely. Qualify based on the property's cash flow.
Building a rental portfolio? DSCR loans let you scale without income limits. Add properties as fast as they cash flow.
Refinance your rehab into long-term DSCR financing to pull out equity and reinvest — without showing W-2 income.
Airbnb and VRBO investors can use projected short-term rental income to qualify. Ask us about STR DSCR programs.
Most programs require a minimum DSCR of 1.0. Some programs allow below 1.0 DSCR with a larger down payment or higher rate. Contact us to discuss your specific property's numbers.
Yes. For vacant properties, lenders typically use a market rent appraisal (Form 1007) to determine the projected rental income for DSCR qualification.
Yes. Many of our lenders offer DSCR programs that use short-term rental income data from platforms like AirDNA or comparable STR comps to calculate your DSCR.
Most DSCR programs require a minimum 640–680 credit score. Higher credit scores unlock better rates and LTV options. Ask us about your specific scenario.
Yes. DSCR cash-out refinances are available with low seasoning requirements. If you've built equity in a rental property, you can tap it without income verification.
No income verification. No W-2. No tax returns. Just your rental property's numbers.