10/16/2025
A DSCR loan (Debt Service Coverage Ratio) is based on the property’s rental income, not your personal income. Lenders look at whether the rent covers the mortgage payment — that’s your DSCR.
A Landlord loan is essentially the same thing — it’s just a more familiar name! Both are designed for real estate investors who want to qualify using property cash flow instead of pay stubs or tax returns.
✅ Perfect for rental properties
✅ No income verification
✅ Based on cash flow, not W-2s
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