DSCR investor loan
Grow a rental portfolio on property cash flow
Qualify with the property's rent instead of personal income. LLC vesting and short-term rentals allowed.
The short version.
A debt service coverage ratio (DSCR) loan looks at one simple question: does the rent cover the payment? If a property rents for $2,600 and the full payment is $2,200, the DSCR is 1.18, and that ratio does most of the qualifying.
Central Florida's rental demand from tourism, hospitals and the Lake Nona Medical City makes DSCR loans popular with my investor clients. You can close in an LLC, skip tax returns entirely and scale beyond the ten-property limit of conventional financing.
Often the right fit for
- Long-term rental investors
- Short-term rentals near the parks
- Investors scaling past 10 properties
What I handle for you.
- Rent schedule and market rent analysis
- Short-term rental income projections for Kissimmee
- LLC closing coordination with your attorney
- Prepayment penalty options compared
- Portfolio and blanket loan guidance
- Cash-out refinance for your next purchase
Deal review
Send me the address and rent estimate, and I will run the DSCR the same day.
Terms sheet
Compare rate, points and prepay structures side by side.
Appraisal with rent schedule
The appraiser confirms market rent, then we close in about 30 days.
Why borrowers choose it.
No personal income docs
No tax returns, pay stubs or employment verification.
Close in an LLC
Keep properties in your business entity from day one.
Unlimited properties
No cap on the number of financed rentals.
What moves your approval and price.
These are the factors I review first. Every lender adds its own overlays, which is why comparing matters.
| Factor | What to know |
|---|---|
| DSCR | 1.0+ gets the best pricing, some programs allow 0.75 with more down. |
| Reserves | Usually 6 months of payments per property. |
| Prepayment penalty | Common 3, 2, 1 structures lower the rate. No-prepay options cost more. |
| Short-term rentals | Income can use AirDNA projections or 12 months of booking history. |
DSCR investor questions, answered.
Still wondering about something specific? Text or call and you will hear back from Marcus, usually within two hours.
Yes. Some lenders prefer investment experience, but many accept first-time investors with slightly more down or reserves.
Yes. Vacation rental income can be qualified using market data or booking history, subject to local zoning and HOA rules.
Some programs allow ratios down to 0.75 with a larger down payment. We can also adjust loan amount or term to improve the ratio.
Related programs.
Bank statement loan
12 or 24 months of personal or business bank statements replace tax returns for self-employed buyers.
Explore Bank statement
Refinance
Rate-and-term, cash-out, FHA streamline and VA IRRRL options, with a break-even analysis every time.
Explore Refinance
Conventional loan
As little as 3% down for first-time buyers, mortgage insurance that falls off, and terms from 10 to 30 years.
Explore Conventional
A note from Marcus
Get real answers in twenty minutes.
No credit pull, no pressure. Bring your questions and leave with a clear plan and real numbers.