Loan Program

DSCR Loans

Qualify on rental income, not personal income

Debt Service Coverage Ratio (DSCR) loans allow real estate investors to qualify based on the property's rental income rather than personal income verification. Perfect for self-employed investors, portfolio builders, and those seeking to scale without traditional income documentation.

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LTV

Up to 80%

Competitive leverage for qualified properties

Loan Terms

30-Year Fixed

Long-term stability with predictable payments

Min DSCR

0.75+

Flexible ratios for various property types

Loan Size

$100K - $3M+

Scalable funding for any portfolio size

Who This Is For

Ideal for investors who want to
scale without income limits

DSCR loans remove the traditional barriers of income documentation, allowing you to grow your portfolio based on property performance.

Self-employed real estate investors

Portfolio builders scaling their holdings

Investors with complex tax situations

Short-term rental (STR) property owners

Foreign nationals investing in US real estate

Requirements

What you need to qualify

Minimum 660 credit score

Property must generate rental income (actual or projected)

DSCR of 0.75 or higher preferred

6+ months reserves required

Property types: SFR, 2-4 units, condos, townhomes

The Process

From application to close

Quick Application

Submit your property details and investment goals in minutes

Property Analysis

We evaluate rental income potential and calculate your DSCR

Term Selection

Choose from multiple rate and term options tailored to your strategy

Fast Close

Close in as few as 14-21 days with streamlined documentation

FAQ

Common questions about DSCR loans

Ready to Apply?

Start your DSCR loan
application today

Get pre-qualified in minutes. Our team will guide you through every step.

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Disclaimer: Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states. Rates, terms, and conditions are subject to change without notice. This is not a commitment to lend. EHM Strategies is a mortgage broker and not a direct lender. NMLS #[INSERT NMLS]. Equal Housing Opportunity. All loans subject to property eligibility and borrower qualification.