KNB Capital · Investor Loans

DSCR Investor
Loan

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

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Down Payment

Typically 20–25% for a standard DSCR loan. Some programs allow 15% down for 1-unit properties with stronger DSCR (1.25+) and credit (700+).

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DSCR Calculation

Gross monthly rent ÷ PITIA (principal, interest, taxes, insurance, HOA). A $3,200 rent on a $3,000 PITIA = 1.07 DSCR. We calculate this with current market rent — even before you have a tenant.

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Property Types

1–8 unit residential rentals, condos, townhomes, and short-term rentals (Airbnb/VRBO eligible with some lenders using STR income). No primary residences.

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What We Don’t Need

No tax returns. No employment verification. No personal income documentation. Just the property, the lease (or market rent appraisal), and your credit/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 InvestorLoan