Loan Program
DSCR Loans
Qualify investment properties on rental income, not personal income.
Who this program may fit
Real estate investors whose rental property cash flow supports the loan.
Common uses
- Investment property purchase
- Refinance or cash-out on investment property
- Short-term and long-term rental properties (program-permitted)
Key considerations
- Debt Service Coverage Ratio (DSCR) measures rental income against debt
- Personal income documentation may be limited
- Larger down payments are typically required
- Entity vesting may be permitted subject to program guidelines
Documents commonly requested
- Lease agreements or rental market analysis
- Property operating statements
- Entity formation documents (if applicable)
- Property appraisal
The process
- 1Review the property and rental income
- 2Compare DSCR and conventional investor options
- 3Complete a secure application
- 4Underwriting and property review
- 5Clear to close and closing
Frequently asked questions
Ready to compare your options?
Schedule a strategy call tailored to your goals, income, and timeline.
This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.
Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access