Investment Property
DSCR investment
loan programs.
Debt Service Coverage Ratio (DSCR) loans qualify based entirely on the investment property’s rental income — no personal income documentation, no tax returns, no W-2s required.
How DSCR Works
DSCR is the ratio of the property’s rental income to the mortgage payment. If the property’s income covers the payment at the lender’s required ratio, the borrower qualifies — regardless of personal income. No W-2, tax return, or employment verification required.
Eligible Property Types
1-4 unit residential investment properties. Long-term rentals and short-term rentals (Airbnb, VRBO). Some lenders accept non-warrantable condos. Requirements vary by lender and program.
Foreign National DSCR
Non-U.S.-citizen borrowers can access DSCR programs without U.S. credit history. Particularly active in South Florida, the Keys, Destin/30A, and the Orlando vacation corridor. Documentation varies by program and country of origin.
Florida DSCR Markets
Active DSCR markets include Miami Beach vacation rentals, Brickell and Edgewater investment condos, the Orlando/Kissimmee vacation corridor, Destin and Scenic 30A, the Florida Keys, and South Florida luxury rental properties.
Program Requirements
DSCR requirements, loan-to-value, and program terms vary by lender. A licensed MLO can review your specific property and investment scenario to identify the programs available. Requirements are subject to change without notice.
Short-Term Rentals
Several lenders in our network accept short-term rental (STR) income for DSCR qualification. Airbnb and VRBO income history is reviewed using platform statements or market rent analysis. Program availability varies.
Ready to discuss a DSCR scenario?
Start our AI-assisted application or call . A licensed MLO will identify the DSCR programs available for your property. NMLS# 1967971.