DSCR Investor Loan
Rental Property Financing without Tax Returns
Don’t let traditional income documentation slow down your investment deals. A DSCR loan (Debt Service Coverage Ratio loan) is a powerful tool for real estate investors who want fast, flexible financing based on rental property cash flow—not personal income.
At Enrich Loans, we help you invest smarter and unlock the next opporunity in your portfolio with fewer roaddblocks.
Start Your ApplicationWhat is a DSCR Loan?
A DSCR loan is a type of Non-QM mortgage that qualifies borrowers based on the income generated by the property—not W-2s, pay stubs, or tax returns. The key factor is the DSCR loan, non-traditional mortgage, which compares a property’s monthly rental income to its total monthly mortgage payment (PITIA).
It’s a streamlined financing option designed to help investors scale their portfolios without traditional income hurdles.
Loans Built for Non-Traditional Borrowers
DSCR loans are ideal for:
- Full-time real estate investors
- Borrowers with non-traditional income
- Buyers of short-term rental properties (Airbnb, VRBO) *EmporiumTPO is not affiliated with Airbnb or VRBO)
- Foreign nationals and out-of-state investors
DSCR Loan vs Traditional Investment Loan
Every investment strategy is different—and so are your financing options. DSCR loans allow investors to qualify using rental income, making it easier to scale portfolios without the burden of full documentation. Review the key differences below to find the financing structure that matches your goals.
| Feature | DSCR Loan | Traditional Investment Mortgage |
|---|---|---|
| Income Verification | Rental income only | Full documentation required |
| Approval Speed | Faster | Slower |
| Ideal For | Investors with cash flow | Borrowers with strong personal income |
| Occupancy | Non-owner occupied only | May allow second homes |
DSCR Loan Requirements
To qualify for an DSCR loan, you’ll need to meet a few basic DSCR loan requirements. *Additional restrictions may appy.
DSCR Loan Process: What to Expect
DSCR Loan Calculator
Want to estimate your monthly payments? Use our DSCR loan calculator to explore different loan scenarios, including down payment amounts, interest rates, and term lengths.
Try The DSCR Calculator