DSCR Investor Loans
Financing that considers eligible property cash flow rather than relying only on personal income.
A financing strategy built for your goals.
Debt Service Coverage Ratio loans can help investors purchase or refinance eligible rental property. We review projected or actual rent, monthly debt service, reserves, property type, and the full financing picture.
At a glance
- Property cash flow-focused qualification
- Purchase and refinance options
- Built for eligible investment properties
How dscr investor loans work
What is DSCR?
DSCR compares qualifying rental income with the property’s monthly debt service. For example, $3,000 in rent divided by $2,500 in debt service is a 1.20 ratio.
What lenders evaluate
Lenders may review a lease or market-rent appraisal, property expenses, credit, down payment, reserves, and investment experience.
A flexible investor tool
Some programs work for long-term and short-term rentals, but rules vary. We help find a structure that matches your strategy.
Who this may fit
Every situation is different. This program can be a useful starting point for:
- Buy-and-hold rental investors
- Investors with complex personal income
- Owners refinancing rental property
Neev can help you compare it with other available options using your actual income, assets, property, and goals.
Questions about dscr investor loans
Is a 1.0 DSCR required?
Requirements vary by lender; some programs consider ratios below 1.0 with different pricing or down payment requirements.
Can I live in the property?
DSCR financing is for eligible investment properties, not owner-occupied primary residences.
Let's explore your dscr investor loans options.
You'll get a real conversation, clear tradeoffs, and a financing plan shaped around your goals.