Home loans · Georgia & California

DSCR loans for investors

A DSCR loan, sometimes called an investor cash-flow loan, qualifies you on the rental income of the property instead of your personal income. No tax returns and no employment verification.

Get pre-approved Call 626.702.1888

Who it’s for

Investors buying or refinancing rental homes
Self-employed investors whose tax returns show low income
Investors growing a portfolio, including buying in an LLC
Long-term and short-term rentals

How it works

DSCR stands for debt service coverage ratio: the property's monthly rent divided by its monthly housing payment, meaning principal, interest, taxes, insurance and any HOA dues (often written PITIA).

The lender uses the rent from a lease or from the appraiser's market rent estimate. A higher ratio generally gets better pricing, and some programs accept a ratio below 1, where the rent does not fully cover the payment.

First-time buyers and gift funds are allowed on many programs, and some cover mixed-use and 5 to 8 unit properties.

Good to know

Expect a larger down payment and higher pricing than a conventional loan. The trade-off is far simpler paperwork.

Send me the address and expected rent and I will check how the numbers work before you make an offer.

Get started

Ask about DSCR loans for investors

Share a few details and I will call you within one business day. This form is not a loan application and does not affect your credit. Please do not include your Social Security number or any documents here.

扫码加微信，中文咨询贷款Or call 626.702.1888, or email zion.chen@orangepathfinancial.com

Other loan programs

All home loans →

Conventional and jumbo loansFannie Mae and Freddie Mac loans, and jumbo loans above the conforming limit.Learn more →Self-employed and alternative-income loansBank statement, P&L, 1099 and VOE loans when tax returns don't show your real income.Learn more →Foreign national and ITIN loansFor buyers without a Social Security number, overseas investors and many visa types.Learn more →HELOC and cash-out refinanceTurn home equity into cash and keep your current low rate.Learn more →Commercial loansBuy or refinance warehouses, offices, retail, multifamily and hotels.Learn more →

Long (Zion) Chen, NMLS #2869394, licensed mortgage loan originator in Georgia (MLO License #2869394) and California (DFPI MLO License CA-DFPI2869394), sponsored by OrangePath Financial Inc., NMLS #2070941. This is not a commitment to lend. All loans are subject to credit approval and underwriting; terms, programs and eligibility are subject to lender approval, and not all programs are available in every state. OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772. NMLS Consumer Access