DSCR Loans | Real Estate Investor Financing | GT Home Lending | NMLS# 2832362
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Real Estate Investors  ·  No Income Verification  ·  NMLS# 2832362

The property qualifies.
Not your income.

DSCR loans let the rental income do the talking. No tax returns, no pay stubs, no employment verification — just the property's cash flow against its debt service.

Apply Now → Schedule a Strategy Call
NoINCOME DOCS
LLCVESTING OK
STRELIGIBLE
Cash-OutAVAILABLE
IDEAL FOR

Investors who qualify on portfolios, not pay stubs.

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Buy-and-hold investors adding to their portfolio
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Investors with 10+ conventional loans already maxed out
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Short-term rental operators (Airbnb, VRBO)
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Investors purchasing under an LLC or entity
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Cash-out refinance to fund next acquisition
Analyze Your Deal →
Licensed Mortgage Broker — Florida
NMLS# 2832362 · Alex Pinacho NMLS# 647053
DSCR · Investment Property Specialist
Bilingual EN/ES
Equal Housing Opportunity
Reviewed by Alex Pinacho, NMLS# 647053 · GT Home Lending Updated May 2026
How DSCR Works

The math is simpler
than you think.

DSCR stands for Debt Service Coverage Ratio — the relationship between a property's rental income and its monthly debt obligations (principal, interest, taxes, insurance, and HOA).

THE FORMULA
DSCR = Monthly Rental Income ÷ Monthly Debt Obligations
A DSCR of 1.0 means the property breaks even. Most programs require 1.0–1.25 or higher.

If a property rents for $3,500/month and the total PITI payment is $2,800/month, the DSCR is 1.25 — a positive cash flow property that qualifies under most programs. Your personal W-2, tax returns, and employment status are irrelevant.

"Alex structured my DSCR deal to preserve my conventional capacity. Nobody else thought about it that way."

Alex is a real estate investor himself. He understands how to structure DSCR loans within a broader portfolio strategy — including how to preserve conventional loan capacity for primary residence purchases, and when to vest in an LLC vs. personally.

01

Property identification

Have a property in mind or under contract. We'll run a quick DSCR analysis to confirm eligibility before you commit.

02

Rental income documentation

Existing lease agreement or appraiser's market rent schedule (Form 1007). No personal income docs required.

03

Credit and entity review

Personal credit pulled. If purchasing in an LLC, we review entity docs. Business credit is not required.

04

Same-day DSCR analysis

Alex calculates DSCR, confirms program fit, and presents loan options — rate, term, cash flow impact — same business day.

05

Close and scale

DSCR loans don't count against your conventional loan limits. Add properties without hitting traditional financing ceilings.

Property Types

What properties qualify.

DSCR programs cover a wide range of income-producing property types — from single-family rentals to short-term rentals and small multifamily.

Single-Family Rental

1–4 unit properties rented on annual or long-term leases. The most common DSCR loan structure.

Short-Term Rentals

Airbnb, VRBO, and similar platforms. We use AirDNA market data or lease agreements to document income.

2–4 Unit Properties

Duplexes, triplexes, and quadplexes. All unit rents combined for DSCR calculation.

Condominiums

Warrantable and non-warrantable condos in eligible markets — including South Florida condo markets.

LLC Vesting

Purchase or refinance in the name of your LLC or entity. Personal guarantee typically required.

Cash-Out Refinance

Extract equity from existing investment properties to fund your next acquisition — no income docs needed.

Program Details

What to expect.

Loan Amounts

  • $75K – $3M+ depending on lender
  • Jumbo DSCR programs available
  • No limit on number of financed properties

DSCR Ratio

  • Most programs: 1.0 minimum (break-even)
  • Better rates at 1.25+
  • Some programs allow DSCR below 1.0 with compensating factors

Credit Requirements

  • Minimum 620–680 depending on program
  • No employment or income verification
  • Entity (LLC) borrowers: personal credit used

Down Payment

  • 20–25% for purchase (some programs 15%)
  • Cash-out refi: typically up to 75–80% LTV
  • Reserves required (typically 6–12 months)

Income Documentation

  • Existing lease or Form 1007 market rent
  • No tax returns, W-2s, or pay stubs
  • STR income: AirDNA report or lease history

Loan Terms

  • 30-year fixed, ARM options available
  • Interest-only options on select programs
  • Purchase, rate/term refi, cash-out refi

Program guidelines vary by lender and are subject to change. All loans subject to underwriting and lender approval. Not a commitment to lend.

Frequently Asked Questions

How is DSCR calculated?
DSCR (Debt Service Coverage Ratio) is calculated by dividing the property's monthly gross rental income by the total monthly debt service — principal, interest, taxes, insurance, and HOA if applicable. A DSCR of 1.0 means the property covers its own costs.
Do I need tax returns or W-2s for a DSCR loan?
DSCR loans typically qualify based on property cash flow, not personal income or employment. This makes them particularly useful for real estate investors with complex tax profiles.
What is the minimum DSCR required?
Minimum DSCR requirements vary by lender and program. Some programs accommodate DSCR below 1.0 with compensating factors such as a larger down payment or higher reserves. Ask your originator for current program guidelines.

Have questions about this program?

Alex reviews every file personally. Schedule a call and get direct answers.

Schedule a Strategy Call →

Run the numbers on
your next property.

Share the address and rent schedule. Alex will calculate your DSCR, confirm program fit, and show you the exact structure — same day.

Apply Now → Schedule a Strategy Call 786.251.7525