Qualify on the property,
not your W-2.

DSCR stands for debt service coverage ratio. Take the market rent. Divide by the full monthly payment — principal, interest, taxes, insurance, dues. That number is the whole exam.

At one or above, the property carries itself. Below one, more down payment can still make the deal work. Your personal income never enters the file.

That is why investors love this loan: it scales. Ten properties do not mean ten tax-return reviews. They mean ten rent checks doing the talking.

Out-of-state investors buying Florida rentals. Self-employed owners whose returns undersell them. Portfolio builders who want every closing in the LLC.

Short-term-rental operators fit too, on programs that read documented STR income or supportable market data.

Pricing runs somewhat above owner-occupied loans — that is the fee for skipping personal income entirely. Down payments start around twenty percent, and reserves grow with the portfolio.

What you buy is speed, privacy, and scale. The loan reads the property, closes in the entity, and repeats as often as your pipeline does.

Plan on about twenty percent down to open the menu. A rent-to-payment ratio at or above one earns the best terms. Below one still closes with more equity.

Reserves matter — months of payments in the bank calm every file. Thirty-year fixed keeps the hold simple, and interest-only options serve cash-flow strategies.

Blanket loans wrap several rentals into one loan and one payment. Five units and up moves to commercial money.

The path many investors run: buy on DSCR, season the rents, refinance or blanket as the portfolio grows. Same discipline at every step — the property earns its own loan.