Debt Service Coverage Ratio Mortgage Loan

A DSCR (Debt Service Coverage Ratio) loan is a non-QM mortgage that allows real estate investors to qualify for a rental property based on the building’s projected or actual income, rather than their personal tax returns or pay stubs.

Instead of calculating your personal debt-to-income (DTI) ratio, lenders evaluate the property’s income potential using the DSCR formula:



  • PITIA includes Principal, Interest, Taxes, Insurance, and any applicable Association dues.
  • A DSCR of 1.0 means the property breaks even (income exactly covers the mortgage).

I Make it Simple

Our interactive App helps guide you through the many parts of the home buying journey and your mortgage financing.  The App helps keep you, your loan officer, and realtor connected and in sync with each other.  It helps all of us work together to make the process smooth and easy.

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