DSCR Investment Loans in Orange County
Qualify for investment property loans based on the property's rental income, not your personal income. No employment verification or tax returns required. Perfect for real estate investors.
What Are DSCR Investment Loans?
DSCR (Debt Service Coverage Ratio) loans qualify borrowers based on the rental income the property generates, not the borrower's personal income. The property must generate enough rental income to cover the mortgage payment (typically 1.0+ DSCR ratio).
Key Benefits
- • No income documentation required
- • No employment verification
- • Qualify based on rental income
- • Up to $2M loan amounts
- • Purchase or refinance
- • Portfolio lending available
Requirements
- • 1.0+ DSCR ratio minimum
- • 20-25% down payment
- • 620+ credit score
- • 2-6 months reserves
- • Investment property experience preferred
- • Property appraisal and rent roll
Perfect For
- • Real estate investors
- • Self-employed borrowers
- • Retirees with rental income
- • Foreign national investors
- • Portfolio property owners
- • 1031 exchange buyers
| Monthly Rent | Monthly PITIA | DSCR Ratio | Qualification | Typical Rate Impact |
|---|---|---|---|---|
| $3,500 | $3,500 | 1.00 | Minimum qualifying | Base rate + 0.50% |
| $4,000 | $3,500 | 1.14 | Standard qualifying | Base rate + 0.25% |
| $4,500 | $3,500 | 1.29 | Strong cash flow | Base rate |
| $5,000 | $3,500 | 1.43 | Excellent cash flow | Best available rate |
| $3,000 | $3,500 | 0.86 | Below 1.0 — limited options | Higher rate, more down payment |
Ready to Expand Your Investment Portfolio?
Get pre-approved for DSCR investment loans with no income documentation hassles
Licensed mortgage broker with Lumin Lending • NMLS #1426884 • Investment Specialist
Important Disclaimers
This is not a commitment to lend. All information contained herein is subject to change without notice. All loans are subject to credit approval, income verification, and property appraisal. Equal Housing Lender.
This material is not from HUD or FHA and has not been approved by HUD or any government agency. The information provided is for informational purposes only and is not an advertisement for products or services.
Loan pricing and loan terms are subject to change without notice. All information must be verified prior to loan approval. Mo Abdel - NMLS #1426884, Licensed Mortgage Loan Originator with Lumin Lending.
Key Takeaways
- DSCR loans qualify investors based on property rental income rather than personal income, requiring no tax returns or W-2s.
- A DSCR ratio of 1.0 means the property generates enough rental income to fully cover the monthly mortgage payment.
- DSCR investment loans through a wholesale broker offer loan amounts up to $2M+ with 20-25% down payment and 620+ credit score minimum.