KNB Capital · Investor Loans

DSCR Loans
For Real Estate Investors

Qualify based on your property’s rental income — not your personal tax returns. Designed for real estate investors who are self-employed, retired, or who show limited taxable income.

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No Tax ReturnsIncome Qualifying

660+Min Credit Score

Up to 80%LTV

1.0+DSCR Requirement

The Basics

What Is A DSCR Loan?

DSCR stands for Debt Service Coverage Ratio — the ratio of a property’s gross rental income to its monthly mortgage payment (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0 means the rent exactly covers the mortgage. Most lenders want 1.0–1.25+.

No W-2s, no tax returns, no personal income calculation. The property pays for itself. DSCR loans are the go-to tool for investors scaling a rental portfolio without letting their personal income statement be the limiting factor.

Do You Qualify?

DSCR Loan Requirements

Down Payment

20–25%15% on some 1-unit

Standard for a DSCR loan. A lower down payment needs a stronger ratio (1.25+) and credit at 700+.

The Calculation

1.07$3,200 rent ÷ $3,000 PITIA

Gross monthly rent divided by principal, interest, taxes, insurance and HOA. We run it on current market rent — before you have a tenant.

Property Types

1–8Units · STR eligible

Residential rentals, condos and townhomes. Airbnb and VRBO qualify with lenders that count short-term rental income. No primary residences.

What We Don’t Need

ZEROIncome documents

No tax returns. No employment verification. No personal income at all. Just the property, the lease or market-rent appraisal, and your credit and assets.

Common Questions

What Investors Ask Us Most

What If My DSCR Is Below 1.0?

Some lenders allow DSCR as low as 0.75 with a larger down payment (25–30%) and higher credit. There are also ‘no-ratio’ DSCR products for strong borrowers who want maximum flexibility.

Can I Use Projected Rent Instead Of A Current Lease?

Yes. Most DSCR lenders accept a market rent appraisal (Form 1007) from the property appraiser to qualify — you don’t need an existing tenant in place at time of closing.

Are Short-Term Rental Properties Eligible?

Yes with select lenders. STR income is typically based on an AirDNA report or a 12-month average of actual STR revenue. STR programs often require slightly higher DSCR and lower LTV.

Ready To Scale Your Portfolio?

Tell us the property address and estimated rent — we'll calculate your DSCR and show you your options.

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DSCR LoansFor Real Estate Investors