What DSCR ratio do I need to qualify?

A ratio of 1.00 or higher (rental income covers the debt payment) is a common baseline, with stronger ratios — often 1.25 or higher — typically qualifying for better pricing. Exact requirements vary by lender and property type.

Investment Property Loans (DSCR) | Mortgage Broker Scottsdale

DSCR (Debt-Service Coverage Ratio) loans qualify based on a property's rental income rather than your personal W-2 income — a program built for investors, self-employed buyers, and anyone whose tax returns don't reflect their full borrowing capacity. Scottsdale's rental and short-term-rental market makes this a genuinely useful program locally.

What's Included

Qualification based on the property's rental income, not personal W-2 income
No tax returns or personal income documentation required for many DSCR programs
Financing for long-term rental and short-term rental properties
Programs suited to self-employed and business-owner borrowers
Portfolio-building guidance for investors financing multiple properties

Who This Is For

Real estate investors purchasing rental property in the Scottsdale area
Self-employed or business-owner buyers whose tax returns understate their income
Anyone building a short-term or long-term rental portfolio

Frequently Asked Questions

A DSCR loan qualifies you based on the subject property's rental income relative to its debt obligations, rather than your personal income — measured as a ratio (net operating income divided by debt service). This makes it a common program for investors and self-employed borrowers.

Investment Property Loans (DSCR)

What's Included

Who This Is For

Frequently Asked Questions

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