DSCR Program
DSCR Loan
Income from the property. Qualify on cash flow, not W-2s.
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income rather than the borrower's personal income. Ideal for real estate investors building a portfolio.
15%
Min Down Payment
620
Min Credit Score
N/A
Max DTI
Key Features
- Qualify on property cash flow, not personal income
- No tax returns or pay stubs required
- Unlimited properties
- LLC and entity vesting allowed
- Short-term rental income accepted
Ideal For
- Real estate investors
- Portfolio builders
- Short-term rental operators
- Self-employed investors
- Those with multiple financed properties
Weighing Your Options
Advantages
- No personal income verification
- Unlimited properties
- Entity vesting OK
- Scalable for portfolios
Considerations
- Higher rates than conventional
- Larger down payment
- Investment property only
What You'll Need
- DSCR ratio of 1.0+ preferred (property income ≥ expenses)
- Minimum 620 credit score
- 15-25% down payment
- Investment property only
- Appraisal with rental analysis required
Apply for DSCR
Fill this out and Ciro will fast-track your personalized loan plan.
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Questions about DSCR loans?