Qualify on the Property.
Not Your Tax Return.
DSCR loans evaluate the rental income the property generates โ not your personal income. No W-2s. No tax returns. No employment history. Just the property's ability to cover its own debt.
The Investor Loan That
Ignores Your Income
DSCR stands for Debt Service Coverage Ratio โ a metric that compares a property's rental income to its monthly debt obligations. The lender isn't asking whether you personally can afford this payment. They're asking whether the property can pay for itself.
This makes DSCR loans ideal for investors who have significant assets or rental income but whose personal tax returns don't show large W-2 income โ because they're running a business, managing depreciation, or building a portfolio.
Perfect for portfolio builders. DSCR loans typically have no limit on the number of financed properties. If the deal cash flows, we can finance it โ regardless of how many rentals you already own.
Short-term rental income accepted. Several of our DSCR lenders will accept Airbnb or VRBO income โ using market rent data or an actual STR income history to establish the DSCR.
What DSCR
Numbers Mean
Here's how to read your DSCR and what lenders are typically looking for:
Your DSCR is based on market rent, not what the property currently rents for. The appraiser will provide a market rent schedule (Form 1007) as part of the appraisal. If the property is underrented or vacant, this protects you.
Built for Investors
Who Think Like Businesses
DSCR loans are not for first-time homebuyers. They're for people building rental portfolios who understand that real estate is a business โ and who want financing that evaluates deals the same way they do.
What We Can Finance
Run Your DSCR
Before Your Call
Have a Deal?
Let's Run the Numbers.
Bring the property address, your estimated rent, and your credit score. In 15 minutes we'll tell you the DSCR, approximate rate, and whether the deal qualifies โ no obligation.
New Point Lending, DBA Quazel Mortgage ยท NMLS #2133626 ยท Licensed in UT ยท ID ยท FL ยท CO ยท Equal Housing Opportunity