FOR HOME BUYERS
DSCR Loan: No-Income Verification for Real Estate Investors
Debt-Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors. These non-traditional loans allow qualification based on rental income rather than personal income or employment history. If your investment property can pay for itself, you may qualify—no tax returns or W-2s required.
A home loan that makes home more affordable.
No Income Verification
Approval is based on rental income, not personal income.
Multiple Properties Allowed
Great for investors with growing portfolios.
Fast Closings
Streamlined documentation requirements.
Interest Only Options
Maximize cash flow in the early years.
Guidelines for this Loan
If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.
Estimate and Explore
Calculators are a great way to learn and see what’s possible.
Down Payment Calculator
Learn how much cash you need to buy the home in your mind.
Comparing ONE+ by Rocket Mortgage
Everyone’s situation is different. What might be right for one person might not be right for you. Apply or contact us – it’s the best way to explore your unique options.
Get More In-Depth Details
Articles that give you more information about this loan and explain how mortgages work.
Frequently Asked Questions
Answers to questions about this loan we heard from people like you during research.
How is DCSR Caculated?
Divide your property’s gross monthly rental income by the total monthly mortgage payment (PITI). A DSCR of 1.0 or higher typically qualifies.
Can I Qualify with Negative Cash Flow?
Some lenders may allow DSCR below 1.0 with strong reserves, but it’s less common.
Do I Need a Lease in Place?
Yes, or a market rent analysis to project income if newly purchased.
What If I Own Multiple Properties?
DSCR loans allow multiple financed properties, including portfolio loans.
Can I Use Airbnb or Short-Term Rental Income?
Yes, in many cases—so long as documented income supports the DSCR ratio.
