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KNB Capital · Loan Programs
DSCR
Investor Loan
Qualify on the property's rental income — not your tax returns. Built for real estate investors who operate like businesses.
Get My Free Quote Start ApplicationThe Basics
What Is A DSCR Loan?
DSCR stands for Debt Service Coverage Ratio — a measure of whether a rental property generates enough income to cover its mortgage payment. With a DSCR loan, the property qualifies the loan, not your personal income. No W2s, no tax returns, no employment verification required.
This is the go-to loan for real estate investors scaling a portfolio. Whether you're buying a single-family rental, a short-term Airbnb, or a small multifamily property, DSCR financing lets the deal speak for itself.
How It Works
DSCR Loan Requirements
DSCR Ratio
Most lenders require a DSCR of 1.0 or higher — meaning rent covers the full mortgage payment. Some programs allow ratios below 1.0 with a larger down payment.
Credit Score
Typically 660–680 minimum. Better credit unlocks lower rates and higher loan amounts. No income documentation needed — credit and property cash flow drive approval.
Down Payment
Usually 20–25% down for purchases. The rental income (based on lease or market rent appraisal) is used to calculate the DSCR ratio at closing.
Property Types
Single-family, 2–4 units, condos, and short-term rentals all qualify. STR income from Airbnb/VRBO can be used with proper documentation.
Common Questions
What You Need To Know
Do I Need To Show My Income Or Tax Returns?
No. DSCR loans are underwritten based on the property's income, not yours. This makes them ideal for self-employed investors, business owners, or anyone with complex personal financials.
Can I Use Projected Rent If The Property Is Vacant?
Yes. If there's no existing lease, the appraiser provides a market rent estimate (1007 form) which is used to calculate the DSCR ratio for qualification purposes.
How Many Properties Can I Finance With DSCR?
Unlike conventional financing which caps at 10 financed properties, DSCR loans have no such limit. Serious investors use DSCR to scale their portfolio without hitting agency restrictions.
Let The Property
Do The Qualifying.
No tax returns. No DTI. Get your investor quote today.