DSCR vs Conventional Loans
Conventional loans usually have better pricing. DSCR loans are often easier to qualify for as an investor.
The key difference
A conventional loan qualifies you on your personal income and debts. A DSCR loan qualifies the property on its rent.
Choose conventional if
- You have strong W-2 income that shows on your tax returns
- You own only a few financed properties
- You want the lowest possible rate
Choose DSCR if
- Your tax returns understate your real income
- You want to close in an LLC
- You've reached the limit on conventional financed properties
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