Rated 4.9/5  ·  2,000+ Loans Closed  ·  Licensed in 40+ States

DSCR Loans for Real Estate Investors — Qualify on Rental Income, Not Your Tax Returns

Barrett Financial offers DSCR loan programs for single-family, multifamily, and short-term rental properties. No W2s. No pay stubs. Close in as little as 21 days.

  • Loans from $75K to $3M+
  • Purchase, Cash-Out Refi & Rate/Term available
  • LLCs and foreign nationals accepted
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NMLS Licensed Lender
4.9 Google Rating
2,000+ Loans Funded
21-Day Close Available
Licensed in 40+ 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 powerful financing tools available to real estate investors today.

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 can 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 income docs and close times as short as 21 days.

The DSCR Formula Explained
DSCR = Monthly Rental Income Monthly Debt Obligations
DSCR ≥ 1.0  →  Property qualifies
DSCR ≥ 1.25  →  Excellent — best rates

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.

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 match you with the best rental property loan program for your scenario and present your personalized rate options.

Close & Cash Flow

Our experienced team guides you through underwriting and closing — often in 21 days or less — so you can start generating rental income faster.

DSCR Loan Program Details

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
Property Types
SFR, 2–4 Unit, 5+ Unit, STR
Loan Terms
30-yr fixed, ARMs, interest-only
Entities
LLCs & corporations accepted
Income Documentation
None required

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.
No. DSCR loans are specifically designed to eliminate the personal income verification requirement. You will not need to submit W2s, pay stubs, or personal tax returns. Underwriting is based entirely on the property's rental income relative to its debt obligations — making it the ideal investment property loan 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.
Barrett Financial offers closings in as little as 21 days for qualified DSCR borrowers. Because there's no personal income verification to gather, underwriting is significantly faster than a conventional mortgage. Having a clear title, an appraisal ordered promptly, and a responsive borrower are the main factors that keep timelines short. Expedited timelines may be available for competitive purchase contracts — ask your specialist.
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 can finance and penalizes self-employed investors. A DSCR loan qualifies you based entirely on the property's rental income, requires no personal income documentation, supports LLC titling, and places no hard cap on the number of financed properties. 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.

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