DSCR & Investor Loans
Let the property qualify itself.
A DSCR loan qualifies on what the property earns in rent — not your personal debt-to-income ratio. If a bank has boxed you in on your own income or your number of properties, this is often the key that unlocks the deal.
No credit pull. No obligation. I'll get back to you personally — usually the same day.
240+
Lenders competing for your loan
21,000+
Five-star reviews
John Kleopoulos
Mortgage Loan Originator · NMLS #2686219 · Backed by Loan Factory
YOUR INCOME SHOULDN'T CAP YOUR PORTFOLIO
Your personal income shouldn't cap your portfolio.
Serious investors keep hitting the same wall: banks measure them by personal DTI, and the paperwork gets heavier with every property they own. That's backwards for someone building a rental portfolio. A DSCR loan asks one question — does the rent cover the payment? — so a strong deal can stand on its own, regardless of how many properties you already hold or how your tax returns read. It's financing built for how investors actually operate.
Common Worries
The four walls investors keep hitting
"My tax returns don't show enough income."
They don't have to. DSCR is underwritten on the rental math, not your personal income. Write-offs that sink a conventional file barely register here.
"I already own too many properties."
Fewer limits tied to how many you hold — exactly where conventional financing tends to choke. Room to scale is the whole point.
"The paperwork gets heavier every time."
Lighter personal-income documentation, since the deal is underwritten on the property. The qualifying story is simpler when the property carries itself.
"I'm under contract and the clock is running."
Reach out today. I'll tell you a realistic timeline for your deal within the same conversation.
How It Works
Why one bank's answer isn't the whole story
DSCR is a specialty product, and lenders vary widely on ratios, reserves, and pricing. This is exactly where a 240+ lender network earns its keep — I shop the ones who actually do DSCR well and have them compete for your file, instead of forcing your deal through a bank that barely offers it.
A
Capped by personal DTI
B
Underwriting the rent
C
Deal stands
Illustrative — outcomes depend on your full application.
FAQ
Questions people don't want to ask out loud
What DSCR ratio do I need?
It varies by lender — some want rent to fully cover the payment, others allow a bit less. I'll match your deal to the right one.
Does my personal income matter at all
Far less than with a conventional loan — the property's numbers do most of the work.
Is the rate higher than a conventional loan?
Usually somewhat — you're trading a bit of rate for flexibility and scale. I'll show you the real trade-off so you can decide.
Can I use DSCR on a short-term rental?
Some lenders allow it, with their own rules on how projected rent is counted. That's one of the things I shop for.
What happens next
Here's exactly what happens next — nothing more
01
You reach out.
Form, call, or text — whichever's easiest.
02
I get back to you personally.
Not an assistant, not a queue. Same day.
03
We talk for 15 minutes.
No credit pull, no pressure, no judgment.
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