Unlocking Real Estate with DSCR Loans

This is how real estate investors buy rentals without handing over a stack of tax returns.

It’s called a DSCR loan — Debt Service Coverage Ratio. Normally, a bank wants W-2s,

pay stubs, tax returns… years of paperwork. With a DSCR loan? None of that matters.

The lender looks at one thing: Can the rent cover the mortgage? If the projected

rent hits around 1.1–1.2× the payment and your credit score is solid… you can qualify

purely off the property’s income potential. This is how experienced investors scale faster,

close quicker, and keep buying even when banks slow them down.