DSCR LOAN APPLICATION

DSCR Loan Apply

DSCR Loans Made Easy for Real Estate Investors

A DSCR (Debt Service Coverage Ratio) loan lets you buy or refinance a rental property based on the income the property earns, not your personal income. There are no tax returns, W-2s or pay stubs to chase. If the rent covers the mortgage payment, you can qualify.

Cambridge Capital offers DSCR loans for first-time investors and experienced landlords alike. Call 800-826-5077 or learn more about our DSCR loans to talk through your deal.

What Is a DSCR Loan?

DSCR measures how well a property’s rent covers its monthly debt payment:

DSCR = Monthly Rental Income ÷ Monthly Housing Payment (principal, interest, taxes, insurance, HOA)

A DSCR of 1.00 means the rent exactly covers the payment. Most lenders prefer 1.00 to 1.25 or higher, though lower ratios may still be possible with a larger down payment or a higher rate.

Key Features of DSCR Loans

  • Property-based qualification: approval focuses on the rental income of the property, not your salary.
  • No tax returns or W-2s: ideal for self-employed borrowers and investors with heavy write-offs.
  • Purchase, refinance and cash-out: use them to buy, to lower your rate, or to pull equity from a rental.
  • Flexible property types: single-family rentals, 2–4 unit properties, condos and short-term rentals.
  • Close in an LLC: hold the property in an entity to separate it from personal assets.
  • Interest-only options: lower the monthly payment to improve cash flow and your DSCR.
  • Faster closings: less paperwork means fewer delays than a conventional loan.
  • Foreign nationals welcome: options may be available for non-US investors.

Try the DSCR Calculator

Enter your property details to estimate your DSCR and monthly payment.

Principal & interest
Taxes + insurance + HOA
Total monthly payment
Monthly cash flow

This calculator is for illustration only. Actual DSCR requirements, rates and approval depend on the lender, property and borrower profile.

Why Choose a DSCR Loan?

  • Scale your portfolio: personal debt-to-income limits do not cap how many rentals you can finance.
  • Keep your documents private: skip tax returns and employment verification.
  • Qualify with real rental cash flow: a strong property can carry the loan on its own.
  • Move quickly: win competitive deals with a streamlined approval and closing.
  • Long-term fixed-rate stability: lock a predictable payment for the life of your rental.

DSCR Loans vs. Other Loan Options

FeatureDSCR LoanConventionalHard Money / BridgeFHA / VA
Qualifies onProperty rental incomePersonal income and DTIProperty value and exit planPersonal income and credit
Income documentsNot requiredTax returns, W-2sMinimalFull documentation
Best forLong-term rentalsPrimary home or few rentalsFix and flip, short-term needsOwner-occupied homes
Typical term15–30 years15–30 years6–24 months15–30 years
Closing speedFastSlowerFastestSlower
Property limitMany propertiesOften cappedMany propertiesOwner-occupied only

Other Real Estate Loan Options

Not sure which loan fits your plan? Explore our other investment property programs:

DSCR Loans Qualify on the property’s rent, not your personal income. Built for buy-and-hold rental investors. Learn more Hard Money Loans Asset-based funding with fast approvals when speed matters more than the lowest rate. Learn more Ground-Up Construction Loans Finance new builds with funds released in draws as each construction phase is completed. Learn more Fix and Flip Loans Cover the purchase and rehab costs on a property you plan to renovate and sell for profit. Learn more Multifamily Loans Financing for apartment buildings and 5+ unit properties, based on the income the property produces. Learn more Bridge Loans Short-term financing to close quickly, then refinance or sell. Often paired with a later DSCR loan. Learn more Vacation Rental Loans Finance Airbnb and VRBO style properties using projected short-term rental income. Learn more Commercial Real Estate Loans Purchase or refinance office, retail, industrial and mixed-use properties. Learn more

Who Are DSCR Loans Best For?

DSCR loans work well for self-employed investors, buy-and-hold landlords, short-term rental owners, investors who already own several properties, and foreign nationals looking to invest in US real estate.

Ready to Get Started?

Complete the application above or call 800-826-5077. Our team will review your property and recommend the best rate and terms for your investment criteria.

Explore DSCR Loans

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