DSCR Loans for Rental Property Investors
Finance Your Next Investment Property Based Primarily on the Property’s Cash Flow
Purchase, refinance or explore cash-out financing for eligible non-owner-occupied investment properties. A Debt Service Coverage Ratio (DSCR) loan focuses primarily on the property's qualifying rental income relative to its debt obligations, rather than relying solely on traditional personal income documentation.
Tell Us About Your Investment Property
Receive a personalized review of your proposed financing scenario from CCH Mortgage.
Get Started — Request a DSCR Loan Review
No obligation to request information. All loans are subject to program availability, credit review, property eligibility and underwriting approval.
What Is a DSCR Loan?
A DSCR loan is a financing option designed for eligible real estate investors. Instead of evaluating a loan primarily through a borrower's W-2 income or tax returns, lenders assess the investment property's qualifying rental income and its ability to cover the proposed debt payment.
DSCR stands for Debt Service Coverage Ratio. The ratio compares qualifying rental income to the applicable debt obligations, as defined by the lender.
DSCR financing may be useful for self-employed investors, business owners and borrowers with multiple rental properties who prefer an investment-property-focused underwriting approach.
Explore Your Investment Financing Options
- Investment Property Purchase
- Finance an eligible rental property using a program that considers the property's qualifying rental income.
- DSCR Refinance
- Explore refinancing options for an existing investment property based on your current financing needs and property qualifications.
- Cash-Out Refinance
- Access available equity in an eligible investment property, subject to loan-to-value limits and underwriting requirements.
- Portfolio Financing
- Discuss financing options for eligible investors acquiring or refinancing multiple rental properties.
Why investors consider DSCR financing
- Property-focused underwriting
- Qualifying rental income and property cash flow play a central role in determining eligibility.
- Options for self-employed investors
- Depending on the program, traditional W-2 income verification or personal tax returns may not be required.
- Financing for eligible rental properties
- Explore purchase and refinance options for qualifying single-family homes and other eligible residential investment properties.
- Potential access to investment-property equity
- Cash-out refinance programs may provide funds for other investments, property improvements or additional acquisitions.
- LLC financing options
- Certain programs permit eligible business-entity borrowers, subject to lender and state requirements.
How the DSCR loan process works
- Submit your property scenario
Tell us whether you're purchasing or refinancing, the property's location, estimated value, requested loan amount and expected or current rental income.
- Review your financing options
CCH Mortgage reviews your scenario against available wholesale lender programs, including property eligibility, applicable DSCR requirements and financing structure.
- Complete your application
If an appropriate program is available, we'll explain the documentation requirements, next steps and applicable loan terms.
- Move toward closing
Once the loan is approved and all applicable conditions are satisfied, the transaction can proceed to closing.
Ready to Explore Your Next Investment Property Loan?
Whether you're purchasing your next rental property, refinancing an existing investment or exploring a cash-out opportunity, CCH Mortgage can review your financing scenario.
Request Your DSCR Loan Review
Or call CCH Mortgage at 317-947-4903
