DSCR Loans for Real Estate Investors | Spiro Hishmeh

DSCR Loans for Real Estate Investors | Spiro Hishmeh

Qualify on rental income, not yours. DSCR loans for investors — no personal income docs, close in LLCs, short-term rentals OK. Get pre-approved with Spiro Hishmeh at C2 Financial Corp.

DSCR Loans Qualify on Rental Income, Not Yours

What Are DSCR Loans?

DSCR Snapshot

How DSCR Qualifies You

Projected Rent

Total PITIA

Ratio

DSCR Tiers & Pricing

Why Investors Choose DSCR

Frequently Asked Questions

Ready to Scale Your Portfolio?

DSCR Calculator

LOAN PROGRAMS

Built for real estate investors. DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income — no personal income documentation, W-2s, or tax returns required to close.

DSCR loans use the Debt Service Coverage Ratio to qualify borrowers. Instead of proving your personal income can cover the mortgage, the lender looks at whether the property's rental income covers the mortgage payment. If the rent covers the loan (DSCR ≥ 1.0), you qualify — regardless of your W-2s, tax returns, or employment history.

This makes DSCR loans perfect for self-employed investors, business owners, and anyone whose tax returns don't reflect their true earning power.

A simple equation that focuses on the deal, not your personal finances.

We determine the property's market rent (typically 75% of the higher of rent or market comps).

We calculate the full monthly housing payment (Principal, Interest, Taxes, Insurance, HOA).

DSCR ≥ 1.00 = income covers the payment. Higher ratios unlock better pricing.

Stronger DSCR ratios unlock better pricing tiers and lower rates on your investment property loan.

DSCR unlocks financing that traditional lenders simply cannot offer — built around the property, not the borrower.

Get answers to the most common DSCR investor questions

Tell us about your next deal and we will run the DSCR numbers on the spot.

Quick Debt Service Coverage Ratio estimate

DSCR = Monthly Rent ÷ Monthly PITIA Enter the projected monthly rental income and the total monthly housing payment (Principal, Interest, Taxes, Insurance, HOA if any).

Estimate only — actual qualification depends on lender guidelines, full underwriting, credit, reserves, and final rental analysis.

This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker # 01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of CA.

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• Investor Financing Program DSCR Loans Qualify on Rental Income, Not Yours Built for real estate investors. DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income — no personal income documentation, W-2s, or tax returns required to close. Calculate DSCR What Are DSCR Loans? DSCR loans use the Debt Service Coverage Ratio to qualify borrowers. Instead of proving your personal income can cover the mortgage, the lender looks at whether the property's rental income covers the mortgage payment. If the rent covers the loan (DSCR ≥ 1.0), you qualify — regardless of your W-2s, tax returns, or employment history. This makes DSCR loans perfect for self-employed investors, business owners, and anyone whose tax returns don't reflect their true earning power. DSCR Snapshot Min DSCR 1.00 Min FICO 620 Min Down 20% Loan Amounts Up to $3M+ Property Types SFR / 2-4 / Condo Check My DSCR How DSCR Qualifies You A simple equation that focuses on the deal, not your personal finances. Step One $ Projected Rent We determine the property's market rent (typically 75% of the higher of rent or market comps). Step Two ÷ Total PITIA We calculate the full monthly housing payment (Principal, Interest, Taxes, Insurance, HOA). Final DSCR = Ratio DSCR ≥ 1.00 = income covers the payment. Higher ratios unlock better pricing. DSCR Tiers & Pricing Stronger DSCR ratios unlock better pricing tiers and lower rates on your investment property loan. Why Investors Choose DSCR DSCR unlocks financing that traditional lenders simply cannot offer — built around the property, not the borrower. Frequently Asked Questions Get answers to the most common DSCR investor questions Ready to Scale Your Portfolio? Tell us about your next deal and we will run the DSCR numbers on the spot. Run My DSCR Now {calcOpen && ( DSCR Calculator Quick Debt Service Coverage Ratio estimate DSCR = Monthly Rent ÷ Monthly PITIA Enter the projected monthly rental income and the total monthly housing payment (Principal, Interest, Taxes, Insurance, HOA if any). Monthly rental income $ Monthly PITIA payment $ Calculate Estimate only — actual qualification depends on lender guidelines, full underwriting, credit, reserves, and final rental analysis. )} &copy; {branding.privacyPolicyUrl && Privacy Policy
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