DEBT SERVICE CREDIT RATIO LOANS (DSCR)

No personal income verification
No employment or tax returns required
Qualification based on property cash flow
Down payments usually 20–25%
Loan amounts often up to $2–5 million (depending on lender)
Property types: Single-family, duplex, 2–8 units, condos, short-term rentals
Ownership: Can be titled in an LLC or personal name
Interest rates: Slightly higher than conventional investment loans
Credit score: Typically 620–680+ minimum