Self-Employed Borrowers

DSCR Loans

The go-to loan for scaling a rental portfolio.

6 min readUpdated 2026Self-Employed Borrowers

What DSCR means

Debt-Service Coverage Ratio compares rental income to the mortgage payment. A DSCR of 1.0 or above means the property pays for itself.

Why investors use it

No personal income documentation, faster closings, and unlimited financed properties for most lenders.

Key takeaways

  • Property-based qualifying.
  • Fastest path to scale a portfolio.

Frequently asked questions

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