DSCR Home Equity

DSCR stands for Debt Service Coverage Ratio — a way to qualify based on your investment property's rental income rather than your personal tax returns, W-2s, or employment history. Available in both first and second lien position.

Investment Properties No Personal Income Docs Required 1st or 2nd Lien Position Rental Income Qualifies

Built for Investors

Qualify on the Property, Not Your Paycheck

The DSCR program evaluates whether the rental income from the subject property covers the debt obligations — no personal W-2s, no tax returns. If the property cash flows, it may qualify.

What Is a DSCR?

Potentially Invest with Your Equity, Not Your Income

DSCR stands for Debt Service Coverage Ratio — a measure of whether a property generates enough rental income to cover its own debt payments. With a DSCR, qualification may be based primarily on the property's cash flow.

This may be an ideal product for real estate investors who own rental properties with substantial equity but whose personal income — as reflected on tax returns — may not tell the full story. If your properties cash flow, you may qualify even if your taxable income looks low.

Use the funds for down payments on new acquisitions, property renovations, debt payoff, or any other eligible business purposes.

Key Qualifications

Investment property with rental income
DSCR typically 1.0 or higher (property cash flow requirements apply)
Minimum credit score requirements apply
Sufficient equity in the subject property
No traditional personal income or employment verification required
Single family, 2–4 unit, and some multifamily eligible
Guidelines and eligibility requirements vary by program

Why This May Be Powerful for Investors

Some real estate investors take every legal deduction available, which may reduce taxable income on paper. Traditional lenders may have difficulty qualifying them. DSCR lending focuses primarily on the property's actual cash flow rather than personal tax returns.

Email to Get Qualified

How It Works

How a DSCR Works

The qualification process focuses on the property, not your personal income documentation.

Submit the Property

We gather the property address, estimated value, existing mortgage balance, and current rental income (lease agreements or market rent analysis).

Calculate the DSCR

We divide the property's gross rental income by the total debt obligations. A ratio of 1.0+ may qualify.

Determine Available Equity

Based on the property value and LTV (Loan-to-Value ratio) limits, we determine how much equity may be available to draw.

Close & Access Funds

Once approved, you receive a revolving line of credit or lump sum — available to deploy for your next investment or any eligible business purpose.

Program Details

What to Expect

Property Type

Investment / non-owner occupied

Lien Position

1st or 2nd position

Income Qualification

Property DSCR — rental income vs. debt

Personal Income Docs

Not required

Rate Type

Variable, tied to market index

Draw Period

Revolving during draw period

Use of Funds

General eligible purposes

Deposit Requirements

Ask about program specifics

Who May This Be Best For?

Real estate investors with multiple properties
Borrowers with high write-offs on tax returns
Investors looking to recycle equity for new acquisitions
Property owners who may want to avoid a full cash-out refinance
LLCs or those holding properties in entities (ask about options)