🎓 Free Education for Investors

Master DSCR Loans and Scale Your Portfolio

The complete investor's guide to Debt Service Coverage Ratio loans. No income docs. No employment verification. Just the property's cash flow.

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3

Course Levels

12+

In-Depth Lessons

Free

Always

Your DSCR
1.25
✓ Qualified

What is a DSCR Loan?

A DSCR loan qualifies you based on the property's rental income, not your personal income. Perfect for:

  • Self-employed investors
  • Portfolio builders (no limit on properties)
  • LLC and entity purchases
  • Foreign nationals
  • Anyone who wants faster closings

The DSCR Formula

Monthly Rent
PITIA (Mortgage Payment)

Example: $2,000 rent ÷ $1,600 PITIA = 1.25 DSCR

Most lenders require 1.0 or higher. Higher ratios = better rates.

Choose Your Learning Path

From beginner basics to advanced portfolio strategies

Beginner
101

DSCR Fundamentals

Everything you need to know to get started with DSCR loans

Start 101
Intermediate
201

Applied DSCR

Deep dive into calculations, underwriting, and deal optimization

Start 201
Advanced
301

Portfolio Mastery

Scale your portfolio with advanced strategies and structures

Start 301

DSCR Calculator

See if your deal qualifies in 30 seconds

Income
$
Expenses (PITIA)
$
$
$
$
Your DSCR Ratio
1.29
Likely Qualifies

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Frequently Asked Questions

Most DSCR lenders require a minimum credit score of 660-680. However, you'll get better rates with scores above 720. Some lenders offer programs for scores as low as 620 with higher down payments.

Typical DSCR loans require 20-25% down for purchases. Cash-out refinances usually max out at 75% LTV. Better DSCR ratios and credit scores can sometimes qualify for 80% LTV.

Yes! Many DSCR lenders now accept short-term rental income. They typically use AirDNA projections or 12 months of your actual booking history to calculate expected income. STR underwriting is covered in our 201 course.

Most lenders require a minimum DSCR of 1.0 (break-even). Some offer "No Ratio" programs that go below 1.0, but these come with higher rates and larger down payments. A DSCR of 1.25+ gets you the best terms.

DSCR loans typically close in 21-30 days, faster than conventional loans because there's no income verification process. With all documents ready, some lenders can close in as little as 14 days.

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