DSCR Loans for Real Estate Investors
No Tax Returns. No W-2s. Just the Property’s Cash Flow.
At Stress Less Mortgage, we understand that not every investor fits into a traditional loan box. That’s why we offer Debt Service Coverage Ratio (DSCR) Loans—a powerful financing option that focuses on the property’s income, not yours.
✅ What is a DSCR Loan?
A DSCR loan is designed specifically for real estate investors. Instead of verifying your personal income, we qualify you based on how much cash flow the property generates.
If the property pays for itself—it qualifies.
📊 How DSCR Works:
We calculate the Debt Service Coverage Ratio by dividing the property’s monthly rental income by the monthly mortgage payment (PITI).
- Example:
Monthly Rent = $2,000
Monthly PITI = $1,500
DSCR = 1.33 → This means the property more than covers the loan.
We typically look for a DSCR of 1.0 or higher, though exceptions may be made depending on down payment and reserves.
💼 Who Is It For?
- New or experienced real estate investors
- Self-employed borrowers
- Borrowers with multiple rental properties
- Anyone looking to scale their portfolio without the headache of full income docs
