Short answer
The go-to loan for scaling a rental portfolio.
Debt-Service Coverage Ratio compares rental income to the mortgage payment. A DSCR of 1.0 or above means the property pays for itself.
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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Related mortgage option
Ready to apply this to a real loan? Review how Self-Employed Programs work in Florida, or estimate your monthly payment before you talk to an advisor.
Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.