Why DSCR Loan Program
DSCR is the fastest-growing rental loan product in the US. Specialty non-QM lenders fund tens of thousands of DSCR loans per year across all 50 states. The complexity is in matching the right lender to your deal — different lenders specialize in different product types, leverage ranges, borrower profiles, and property classes.
DSCR Loan Program maintains independent reviews of every lender in our directory. Lender rankings reflect documented activity and borrower outcomes — not pay-to-play placement. When you submit a deal through our form, we match you with lenders most likely to fund it.
Frequently Asked Questions
A DSCR loan is a real estate investor loan underwritten on property cash flow rather than borrower personal income. The Debt Service Coverage Ratio measures whether rent covers the mortgage payment. Common for rental property acquisitions and refinances.
Real estate investors with non-owner-occupied properties. No personal income or tax returns required. Typically requires 20-25% down (30-50% for foreign nationals), 620+ FICO, and DSCR ratio of 1.0+.
7.5–10.5% currently, depending on leverage, DSCR ratio, borrower experience, and prepayment structure.
Yes — STR-specific DSCR programs underwrite using projected nightly revenue. Specialty lenders include Easy Street Capital and Visio Lending.
Yes — through specialty foreign-national DSCR programs. Typical down payment 30-50%, rates 10-13%, LLC vesting required.
No. DSCR Loan Program is an independent directory and educational resource. We connect investors with vetted DSCR lenders matched to deal characteristics.