Get an investment property loan approved on the property's cash flow — not your personal income. Compare DSCR loan offers from multiple lenders.
Check My Eligibility →A DSCR (debt service coverage ratio) loan is a rental property loan underwritten on the property's income rather than your personal income. Lenders calculate the ratio of the property's rental income to its debt payments — if it covers the payment, you qualify.
DSCR loans are popular with real estate investors who have strong cash-flowing rentals but don't want to document personal W-2 or tax income. Through BidMyCapital you can compare DSCR financing offers from multiple lenders.
Lenders use projected rental income to assess coverage.
Rental income divided by debt payment — 1.0 or higher is the target.
Approval is based on the property, not your personal tax returns.
Because they skip income documentation, DSCR loans carry a rate premium — typically 0.5% to 2% above conventional investor loans, depending on DSCR and LTV. Terms commonly run 30 years fixed or 5/6-month adjustable structures.
The loan is secured by the investment property itself.
Rental income should at least cover the debt service.
Personal credit still matters, but income documentation does not.
Rates and LTV depend on leverage, from 70% to 80% LTV typical.
A DSCR of 1.0 means the property's income exactly covers the debt payment. Most lenders prefer 1.1 to 1.25 to account for expenses, though 1.0 DSCR loans exist at lower loan-to-value.
Yes — that is the point. DSCR loans use the property's rental income instead of W-2s or tax returns, making them popular with investors and self-employed borrowers.
Many lenders now underwrite short-term and Airbnb-style rental income for DSCR qualification, often at slightly lower leverage.
Typically 20% to 30% down for investment DSCR loans, with better rates at higher equity.
If you own cash-flowing rental property and want approval without personal income documentation, a DSCR loan is built for you.