DSCR Loans · Investment Property Financing

Let the property qualify — not your tax returns.

A DSCR loan looks at what your rental income can cover, not your W-2. If the numbers balance, you're in business. We help investors across Florida, Kentucky, and Indiana finance rentals, short-term rentals, and portfolio growth.

No tax returns required 1:1 coverage ratios Fast closings

Request your free quote

Tell us where to reach you and we'll get back to you shortly.

What DSCR means

Rental income, weighed against the mortgage payment.

DSCR stands for Debt Service Coverage Ratio. Divide the property's monthly rental income by its monthly housing expense — the mortgage payment, taxes, insurance, and HOA dues where they apply. That single number tells a lender most of what they need to know.

$3,000

Monthly rental income

$2,500

Monthly housing expense

DSCR 1.20— above 1.00 generally means positive cash flow

Some lenders also work with ratios below 1.00, depending on down payment, credit score, property type, and the overall loan scenario. There's usually more than one path to qualifying.

Try the coverage ratio

Monthly rental income Monthly housing expense

1.20

DSCR

Positive cash flow. This scenario may qualify.

Why investors use DSCR

Built for real estate investors, at any stage.

Traditional mortgages get harder the more rentals you hold — and don't always fit a first-time investor's paperwork either. DSCR financing works for both.

No personal income verification

Most borrowers qualify without submitting:

Tax returns
W-2s
Pay stubs
Employment verification

Works for your first property or your fifteenth

Whether it's your first rental purchase or the next addition to a growing portfolio, qualification works the same way.

Finance more than one property type

Single-family homes, condos, townhomes, duplexes, triplexes, and fourplexes all fit inside this program.

Short-term rental financing

Airbnb, VRBO, and vacation rental income can count, often based on market rent or a short-term rental analysis.

Title held in an LLC

Many DSCR lenders let you close in your LLC's name, keeping liability protection intact.

Room to keep building

Unlike conventional loans, most DSCR programs don't cap the number of financed properties you own.

Who this fits

Good candidates for a DSCR loan

Real estate investors

Airbnb owners

Vacation rental investors

Self-employed borrowers

Business owners

House flippers moving into rentals

Portfolio investors

First-time investors

Retired investors

Eligible property types

Financing across most investment property types

Some lenders extend further into mixed-use, rural, and condotel properties. Ask what fits your specific deal.

Single-family homes Condominiums Townhomes Duplexes Triplexes Fourplexes Planned Unit Developments Non-owner occupied properties Mixed-use properties Rural properties Condotels

Where we lend

Licensed in Florida, Kentucky, and Indiana

With offices in Cape Coral, FL and Louisville, KY, we work with investors across all three states.

Florida

Kentucky

Indiana

Your broker

Why work with Brady Webb and American Mortgage Solutions

Years in mortgage lending

An independent broker, comparing programs on your behalf

Brady Webb and the American Mortgage Solutions team have helped thousands of borrowers work through complex financing scenarios — from a first rental purchase to a multi-property portfolio.

As an independent mortgage broker, AMS works with multiple wholesale lenders rather than one. That means comparing rates, terms, down payment options, and closing costs across programs to find what fits your investment strategy, not just what one lender offers.

Cape Coral, FL: (239) 766-8344 · Louisville, KY: (502) 327-9770

Common questions

Frequently asked questions

In most cases, no. Most DSCR loans qualify borrowers without personal tax returns.

Usually not. Qualification is based mainly on the property's rental income, not your paycheck.

Yes. Many DSCR programs are open to investors purchasing their first rental property.

Yes. Investors use DSCR loans to refinance existing rentals, pull out equity, lower monthly payments, or free up cash for the next purchase.

Many lenders offer DSCR financing for short-term rentals, though guidelines vary by program. We'll help find one that fits your setup.

Minimum requirements vary by lender. A stronger credit profile generally opens up better rates and terms.

It depends on the property, your credit profile, and the lender's guidelines. Most DSCR programs expect a meaningful equity investment — the exact amount comes down to your specific scenario.

Get your DSCR loan quote

Whether it's your first rental purchase or refinancing one you already own, we'll compare programs and bring back a scenario that fits your numbers.

Request a quote