DSCR Purchase Loans
Buy a rental property with financing qualified on the property's rental income instead of your personal income.
How it works
A DSCR purchase loan compares the property's expected rent to its monthly payment, including principal, interest, taxes, insurance and any HOA dues. If the rent covers the payment by the ratio the program asks for, the property can qualify without tax returns or pay stubs.
What lenders usually look at
- The appraiser's rent estimate or an existing lease
- Your credit score
- Your down payment, often around 20% or more
- Cash reserves after closing
- The property type and its condition
Good fit if
- You're self-employed or your tax returns show low income after write-offs
- You want to buy in an LLC
- You already have several financed properties
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