DSCR Rental Property Loans
Investment property financing based on rental income
Available throughout Arizona
About DSCR Rental Property Loans
DSCR (Debt Service Coverage Ratio) loans qualify you based on the rental income of the property, not your personal income. Perfect for real estate investors building their portfolio.
Our DSCR Rental Property Loans program is specifically designed to help borrowers throughout Arizona achieve their homeownership goals. Whether you're purchasing your first home, upgrading to a larger property, or refinancing an existing mortgage, we have the expertise and resources to guide you through every step of the process.
We understand that every borrower's situation is unique, which is why we take the time to understand your specific needs, financial goals, and long-term plans. Our experienced loan officers will work with you to determine if DSCR Rental Property Loans is the right fit, or recommend alternative programs that may better suit your circumstances.
Why Choose Us for Your DSCR Rental Property Loans?
- Over 15 years of experience in Arizona mortgage lending
- Fast approval process with most loans closing in 21 days or less
- Competitive rates and fees with transparent pricing
- Dedicated loan officer guiding you from application to closing
Ready to get started with DSCR Rental Property Loans? Call us today at 469-761-1111 or fill out the form below for a free, no-obligation consultation.
Key Benefits
- No income verification needed
- Qualify based on rental income
- Unlimited number of properties
- No DTI calculations
- Fast closing process
Requirements
- Investment property only
- Minimum credit score 620+
- Down payment typically 20-25%
- Property must generate rental income
- Cash reserves required
Ideal For
- Real estate investors
- Portfolio builders
- Those with multiple properties
- Cash-rich, income-light buyers
Everything You Need to Know About DSCR Rental Property Loans
1What is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans are investment property mortgages that qualify you based solely on the rental income of the property, not your personal income.
The DSCR ratio compares the property's monthly rental income to its monthly debt obligations (mortgage payment, taxes, insurance, HOA). A ratio of 1.0 means the rent covers the expenses; above 1.0 provides positive cash flow.
DSCR loans are perfect for real estate investors who want to grow their portfolio without hitting income or DTI limitations. Your personal income isn't even considered in the qualification process.
2How DSCR Loans Work
DSCR Calculation: Monthly Rental Income ÷ Monthly Debt Payment = DSCR Ratio. For example, $2,000 rent ÷ $1,600 payment = 1.25 DSCR.
Minimum DSCR: Most lenders require 1.0 minimum, though some accept 0.75 with a larger down payment. Higher ratios (1.25+) get better rates.
Rental Income Determination: Lenders use current lease agreements, comparable market rents, or an appraiser's rent schedule to determine income.
No Income Verification: Your W-2s, pay stubs, and tax returns aren't required. The property must qualify itself based on rental income.
No DTI Calculation: Your existing debts and personal income don't factor into qualification, making it possible to buy unlimited properties.
3DSCR Loan Requirements
Credit Score: Minimum 620-680, though 700+ gets the best rates and terms.
Down Payment: Typically 20-25% for investment properties. Higher down payments may get better rates.
Cash Reserves: Usually 6-12 months of reserves required (more for multiple properties or lower credit scores).
Property Type: 1-4 unit residential properties, single-family rentals, condos, and townhomes.
DSCR Ratio: 1.0 minimum for best terms, though some lenders go down to 0.75 DSCR with larger down payment.
Property Condition: Property must be in rentable condition. Major renovations must be completed before closing.
4Benefits for Real Estate Investors
No Income Limits: Buy unlimited properties without worrying about qualifying income or debt-to-income ratios.
Fast Qualification: No need to provide tax returns, W-2s, or employment verification. Documentation is minimal.
Portfolio Growth: Perfect for investors who want to scale their portfolio quickly without hitting income barriers.
Self-Employed Friendly: Business owners who show reduced taxable income can still qualify based on rental income.
Clean Personal Finances: Investment property debt stays separate from personal financial qualification.
Multiple Properties: Many investors use DSCR loans to acquire 10, 20, or more rental properties.
5DSCR Loan Strategies
House Hacking: Buy a 2-4 unit property, live in one unit, and use rental income from other units to qualify.
Cash-Out Refinance: Refinance existing rentals to DSCR loans, pull out equity, and buy more properties.
BRRRR Method: Buy, rehab, rent, refinance to DSCR loan, repeat. Great for building portfolio quickly.
Upgrade Portfolio: Refinance conventional mortgages to DSCR loans to free up personal income and DTI for primary residence or other purchases.
1031 Exchange: Combine DSCR loans with 1031 exchanges to defer taxes while growing your rental portfolio.
Short-Term Rentals: Some lenders allow using short-term rental income (Airbnb/VRBO) with proper documentation.
Ready to Get Started?
Contact us today to learn more about DSCR Rental Property Loans and get your free quote
Call 469-761-1111 NowSuccess Stories
See how DSCR Rental Property Loans helped Arizona residents achieve their homeownership dreams
“I've bought 5 rental properties using DSCR loans. No hassle with income verification, just the property's numbers. Perfect for investors!”
Alex P., Real Estate Investor
DSCR Investment
Why Choose Revolve Mortgage Corporation?
We've been serving Arizona homebuyers for over 15 years
Trusted by thousands of Arizona families
Exceptional service every step of the way
Fast closings without cutting corners
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