Loan Program
DSCR Loans
Qualify on the property's income. Grow a portfolio without W-2s.
Overview
DSCR (Debt Service Coverage Ratio) loans qualify on the rental income of the property itself — not your personal tax returns. It's the standard structure for serious real estate investors scaling a portfolio.
Who it's for
- Real estate investors
- LLC-owned rental properties
- Short-term rental / Airbnb operators
- Buyers with strong assets but non-traditional income
Benefits
- No personal income documentation
- Close in an LLC
- 1-4 unit and small multifamily
- Portfolio-friendly — no cap on financed properties
Common Questions
How is DSCR calculated?
Gross rents ÷ PITIA (principal, interest, taxes, insurance, association). Most programs like a ratio of 1.0 or better; strong programs work at sub-1.0 too.
Do I need experience?
No — first-time investors are welcome, though experienced investors often get sharper pricing.
Short-term rentals?
Yes — many DSCR programs accept AirDNA projections or 12 months of STR history.
Financing Provided Through
Clear Rate MortgageLicensed Mortgage Lender · NMLS #2470446
Mike Keys · NMLS #2795829 · Company NMLS #2470446
A boutique client experience, backed by a national lending platform.
- · Licensed across Texas
- · Broad portfolio of loan solutions
- · Experienced lending & operations team
- · Professional service from application through closing