A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property’s rental income rather than your personal income. DSCR = gross rental income ÷ total monthly payment (principal, interest, taxes, insurance, and HOA). No W-2s or tax returns are required.

Can I get a DSCR loan as a first-time investor?

Yes. Our DSCR program allows first-time investors with a minimum 660 credit score, 20% down, and reserves.

Can Airbnb / VRBO income qualify?

Yes. Short-term rental scenarios use market rent or documented STR history from platforms like Airbnb and VRBO to qualify the property. Maximum LTV on short-term rentals is typically lower than on long-term leases.

Do 2-4 unit properties qualify?

Yes. Duplexes, triplexes, and quadplexes qualify on the building’s combined rental income, and rural properties are allowed — flexibility many multifamily lenders don’t offer.

Can I close in an LLC?

Yes. DSCR loans are business-purpose loans and can typically close in the name of an LLC or corporation, which many investors prefer for liability protection.

Is there a seasoning requirement?

No. Our DSCR program has no seasoning requirement, and a blanket loan option is available for multiple properties.

DSCR Loan | Elevate Mortgage

DSCR Loan

The rent qualifies — not your tax returns

DSCR (Debt Service Coverage Ratio) loans provide streamlined financing based on property cash flow rather than personal income. One program covers long-term rentals, short-term rentals like Airbnb and VRBO, and 2-4 unit multi-family — for acquisitions, refinancing, or portfolio growth.

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Key Advantages

Why Choose a DSCR?

Here's what sets this loan product apart and who it works best for.

No Personal Income Docs

Qualification is based on the property’s rent-to-payment ratio — no W-2s or tax returns required.

Long-Term Rentals

Buy-and-hold financing with 30-year, 40-year, and interest-only structures that keep monthly payments manageable.

Short-Term Rentals (Airbnb / VRBO)

Vacation rental income can qualify using market rent or documented short-term rental history.

2-4 Unit Multi-Family

Duplexes, triplexes, and quadplexes qualify on the building’s combined rental income — rural properties allowed.

First-Time Investors Welcome

No prior investment property experience required to qualify.

Blanket Loan Option

Finance multiple properties under one loan, with no seasoning requirement.

Calculator

DSCR Calculator

Estimate your debt service coverage ratio for an investment property.

Purchase Price$400K

$100K$5.0M

Down Payment25%

15%45%

Interest Rate

Enter the rate you want to model — we don’t advertise rates; your pricing is quoted individually.

Monthly Rent$2,500

$500$15,000

Enter an interest rate above to see your results.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Eligibility

Qualification Requirements

General guidelines for DSCR Loan eligibility. Requirements vary by lender and scenario.

Requirement	Guideline
Experience Required	First Time Investor OK
Minimum Credit Score	660
Liquidity	20% Down
Reserves	3-6mo. Reserves
Max LTV	85% (75% short-term rental)
Loan Term	30, 40 Yr or Interest Only
Closing Timeline	10 to 14 Days
Loan Amount	$100k - $3M
Asset Types	SFR, Condo, Townhome, 1-8 Units
Product Specifics	Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.

FAQ

Frequently Asked Questions

Common questions about DSCR Loan loans.

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West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

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Related Loan Products

Explore other products that may complement your strategy.

Rental Property Loan

Own the rental. Let the rent do the qualifying.

Financing for rental properties — long-term leases, Airbnb/VRBO, and 2-4 unit multi-family — qualified on the property’s income rather than yours. Rental property loans are structured as DSCR loans: the full program details, specs, and calculator live on our DSCR page.

Learn more

Cash-Out / Investor Refinance

Turn equity into a lump sum — or reposition the portfolio

Replace your current mortgage and walk away with cash, reduce your payment, or restructure rental debt to free up capital. Homeowners most often use cash-out to consolidate high-interest debt in one closing; investors refinance rental debt without tax returns via DSCR qualification.

Learn more

Hard Money

Fast, flexible funding with minimal requirements

Hard Money loans provide fast, flexible capital for investors tackling short-term acquisitions, renovations, or interim financing — with no minimum credit score, 15% down, and no reserves required.

Learn more