Rated 4.9/5 Google Reviews  ·  30,000+ Loans Closed Company-Wide Last Year  ·  Licensed in 49 States

DSCR Loans That Qualify on Rental Income — Not Your Tax Returns

Barrett Financial offers DSCR loan programs for eligible rental properties. Qualification is based primarily on property cash flow and investor guidelines, rather than personal income documentation such as W-2s, pay stubs, or tax returns.

  • Loan amounts typically from $75K to $3M+, subject to lender guidelines
  • Purchase, Cash-Out Refi & Rate/Term available
  • LLC and foreign national eligibility vary by lender/investor guidelines
  • 620+ credit score typically required

DSCR eligibility varies by lender/investor guidelines, credit profile, LTV, property cash flow, loan amount, and property type. Final approval is subject to underwriting and lender approval. Closing timelines are estimates only and depend on lender processing, appraisal, title, and borrower conditions — actual timelines may vary.

DSCR loans are business-purpose loans for non-owner-occupied investment properties only. Not available for owner-occupied or consumer-purpose primary residence loans.

NMLS #181106
4.9 Google Rating
30,000+ Loans Closed Last Year
Licensed in 49 States

What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is an investment property mortgage that qualifies you based on the rental income your property generates — not your personal income or tax returns. It's one of the most flexible financing options available for qualifying investment properties.

Unlike conventional mortgages that require W2s, pay stubs, and years of tax history, a DSCR loan focuses on one question: does the property generate enough rental income to cover its own mortgage payment? If yes, you may qualify.

DSCR loans are ideal for self-employed investors, LLC structures, foreign nationals, and anyone whose real estate income doesn't show up cleanly on a traditional mortgage application. You can finance long-term rentals, short-term rentals (Airbnb, VRBO), and multifamily properties.

Barrett Financial's DSCR loan program is designed specifically for real estate investors who want a faster, simpler path to investment property financing — with no personal income documentation typically required and a streamlined underwriting process.

How DSCR Loans Qualify You
Monthly Rent ÷ Estimated Mortgage Payment = DSCR
1.00+ Property may qualify
1.25+ Stronger scenario — better pricing potential
Quick DSCR Estimate
Your Est. DSCR
—

This estimate is for illustrative purposes only and does not constitute a loan approval or commitment to lend. Actual DSCR eligibility is determined by the lender based on a full appraisal, verified rental income, and complete underwriting review.

Built for Real Estate Investors

Rental Property Investors

Finance long-term single-family or multi-unit rentals with income-based qualification. Stop letting your tax returns hold your portfolio back.

Short-Term Rental Owners

Airbnb and VRBO properties are welcome. We use market rental income projections to qualify, making STR financing accessible where other lenders won't go.

Portfolio Builders

Finance multiple properties under an LLC with streamlined underwriting. Expand your real estate portfolio without the personal-income bottleneck of conventional loans.

Real Investors. Real Deals.

★★★★★

"Excellent Team, cares about getting the job done and keeping the borrower's best interests in mind. Great for Investors and Home-Buyers alike, and glad to have them as my go-to for mortgages."

Arvind
Borrower Review
★★★★★

"Barrett Financial Group was able to expeditiously handle my loan, lower my monthly payment and gave me an amazing deal on closing costs. They got it done fast. Thank you."

Tim
Borrower Review
★★★★★

"This was by far the best experience I have had with a lender! Quick, friendly, transparent and most of all very educated on the entire process and options one has. I will use them going forward for any purchases."

Heidi
Borrower Review

Testimonials reflect individual experiences and do not guarantee similar results. Individual loan outcomes vary based on credit profile, property cash flow, LTV, and lender guidelines.

Apply for a DSCR Loan in 3 Simple Steps

Tell Us About Your Property

Answer a few quick questions about your investment goal, property type, and estimated rental income. Takes about 60 seconds.

Get Your Rate

A Barrett Financial DSCR specialist will review your scenario and present personalized rate options that may fit your investment property.

Close & Cash Flow

Our experienced team guides you through underwriting and closing so you can start generating rental income faster.

DSCR Loan Program Details

Rates vary based on your DSCR ratio, LTV, credit score, and property type. Complete the form below for a personalized rate quote — no commitment required.

Loan Amounts
$75,000 – $3,000,000+
Minimum DSCR
1.0 (no-ratio options available)
Max LTV
80% purchase / 75% cash-out
Credit Score
620+ minimum typically required
Property Types
SFR, 2–4 Unit, 5+ Unit, STR
Loan Terms
30-yr fixed, ARMs, interest-only
Entities
LLCs & corporations accepted, subject to lender/investor requirements
Income Documentation
No personal income docs typically required

Property cash flow/rental income documentation, appraisal or rent schedule, reserves, entity docs, credit review, and other investor-required items may still be required.

DSCR eligibility varies by lender/investor guidelines, credit profile, LTV, property cash flow, loan amount, and property type. Final approval is subject to underwriting and lender approval.

DSCR loans are business-purpose loans for non-owner-occupied investment properties only. Not available for owner-occupied or consumer-purpose primary residence loans.

Lending Across the Country

Georgia Arizona North Carolina Florida Tennessee Texas Colorado Nevada + 30+ More States

Looking for a DSCR loan in your state? Start your application and we'll confirm eligibility.

DSCR Loan FAQs

Most DSCR loan programs require a minimum ratio of 1.0, meaning the property's monthly rental income equals or exceeds its monthly mortgage payment. Barrett Financial also offers no-ratio DSCR options for scenarios where income documentation is limited. A DSCR of 1.25 or higher typically unlocks the most competitive rates and lowest down payments.
Typically no. DSCR loans are designed to minimize personal income verification. You generally will not need to submit W2s, pay stubs, or personal tax returns. Underwriting is based primarily on the property's rental income relative to its debt obligations, along with verified rental income, appraisal/rent schedule, credit profile, collateral, reserves, entity documentation, and lender/investor guidelines — making it a strong option for self-employed investors and those with complex tax situations.
Yes. Barrett Financial accepts loan applications from LLCs, corporations, and other legal entities — one of the biggest advantages of DSCR loans over conventional investment financing. Vesting title in an LLC provides liability protection across your portfolio. A personal guarantee from the managing member is typically required by most DSCR lenders.
Barrett Financial's DSCR loan program covers single-family residences (SFR), 2–4 unit properties, 5+ unit multifamily, and short-term rentals (Airbnb/VRBO). The property does not need to be your primary residence — investment and non-owner-occupied properties are fully eligible. Warrantable condos and townhomes may also qualify depending on the project.
DSCR loan rates vary based on LTV, credit score, DSCR ratio, property type, and current market conditions. They are typically priced slightly above primary residence rates to reflect the investment nature of the loan. The best way to get an accurate rate is to complete our quick quote form — a Barrett Financial specialist will follow up with a personalized DSCR rate scenario within one business day.
Because personal income verification is generally not required, DSCR underwriting may close faster than some conventional programs, depending on file complexity, appraisal timing, title, and underwriting. Having a clear title, an appraisal ordered promptly, and a responsive borrower are the main factors that keep timelines short. Ask your specialist about timeline expectations for your specific scenario.
A conventional investment loan uses your personal W2 income, tax returns, and debt-to-income ratio to determine eligibility — which limits how many properties you may finance and penalizes self-employed investors. A DSCR loan qualifies you based primarily on the property's rental income, generally requires no personal income documentation, supports LLC titling, and has no standard limit on the number of financed properties in many investor guidelines — though financed-property limits vary by investor and borrower profile. It's purpose-built for scaling a real estate portfolio efficiently.

Ready to Get Your DSCR Rate Quote?

Answer a few quick questions and a Barrett Financial specialist will follow up with your personalized rate — no commitment required.