Finance Investment Properties Based on Cash Flow — Not Your Personal Income
A DSCR (Debt Service Coverage Ratio) loan lets real estate investors qualify based on a property’s rental income rather than traditional W-2s, tax returns, or personal debt ratios.
With Shevlin Lockler of Acrisure Mortgage, you get a strategic lending partner who understands how investors scale—without unnecessary friction.
Flexible underwriting. Fewer hurdles. Smarter financing.
What Is a DSCR Loan?
A DSCR loan evaluates whether a rental property can support its own mortgage payment.
Instead of qualifying you, the lender qualifies the property.
DSCR = Rental Income ÷ Monthly Debt Obligation
If the numbers work, you move forward—without traditional income documentation.
Why Investors Choose DSCR Loans
✔ No personal income verification
✔ No tax returns or W-2s required
✔ Ideal for LLCs and experienced investors
✔ Faster, streamlined approvals
✔ Designed for long-term rental strategies
This is financing designed for real estate investors, not owner-occupants.
Who Is a DSCR Loan Best For?
Long-term rental property investors
Self-employed borrowers or entrepreneurs
Investors with multiple properties
Buyers using LLCs or business entities
Portfolio builders focused on cash flow
If rental income is your strategy, DSCR loans are worth a serious look.
DSCR Loan Highlights
Loan amounts: Vary by program and property type
Minimum DSCR: Typically 1.0+ (program-dependent)
Down payment: Usually 20–25%
Credit score requirements: Program specific
Property types:
Single-family rentals
Condos & townhomes
2–4 unit properties
Ownership: Individual or LLC
Cash-out refinance options available
Programs, rates, and terms vary. Qualification is based on credit and property.***
The Process: Easier Than you Think
Step 1: Apply Securely Online
A short, secure application that takes about 5–10 minutes.
Step 2: Get Personalized Loan Options
I review your information and identify programs you may qualify for.
Step 3: Shop with Confidence
You’ll know your numbers before making an offer—so there are no surprises.
Frequently Asked Questions
I'm still not sure where to start.
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DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property’s income is sufficient to cover its mortgage payment.
DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment
If the property can support itself, you may qualify—without traditional income verification.
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No. DSCR loans do not require W-2s, tax returns, or personal income documentation.
Approval is primarily based on the rental income of the property and your credit profile.
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Most programs require a DSCR of 1.0 or higher, meaning the property’s income covers its monthly mortgage obligation.
Some programs allow slightly lower ratios with additional requirements.
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Yes. DSCR loans are ideal for self-employed borrowers, entrepreneurs, and business owners who want to qualify without providing traditional income documentation.
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DSCR loans commonly allow:
Single-family rental homes
Condos and townhomes
2–4 unit residential properties
Short-term rentals and unique property types may be eligible depending on the program.
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Yes. Many DSCR programs allow properties to be purchased or refinanced under an LLC or business entity, making them popular with experienced investors.
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Down payments typically range from 20%–25%, depending on:
Credit score
Property type
DSCR ratio
Loan program
Shevlin will help you review options to find the best fit.
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Yes. Cash-out refinance options are available, allowing investors to tap into equity for future purchases, renovations, or portfolio growth.
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Yes. While DSCR loans are popular with experienced investors, first-time rental property buyers may qualify with strong credit and an income-producing property.
Why Work With Shevlin Lockler?
Shevlin helps you:
Structure loans correctly from the start
Compare DSCR vs. conventional vs. portfolio options
Protect long-term cash flow
Avoid financing mistakes that stall growth
You’re not just getting a rate—you’re getting a plan.
All loans are subject to credit and property approval. Programs, rates, and terms are subject to change without notice. Not all products are available in all states or for all loan amounts. Other restrictions may apply. This is not a commitment to lend. Acrisure Mortgage, LLC NMLS ID #152859. Georgia Residential Mortgage Licensee #33248.