DSCR Investor Loans
The property qualifies, not your paycheck. Rental cash flow is the whole application.
Overview
A DSCR (debt service coverage ratio) loan qualifies an investment property on its own rental income — no tax returns, no W2s, no debt-to-income calculation on you personally. If the rent covers the mortgage payment, the deal can stand on its own. For Portland investors scaling past their second or third property, DSCR is usually the unlock: conventional guidelines start fighting you as your portfolio grows, while DSCR just asks whether each property pencils.
Who It's For
How It Works
Run the Ratio
Address plus expected rent — that's all we need to tell you if the deal works. Market rent comes from the appraiser's rent schedule if the unit isn't leased yet.
Structure
Purchase or cash-out, personal name or LLC, prepay penalty trade-offs — we structure it around your portfolio plan, not just this one deal.
Appraisal & Rent Schedule
The appraisal establishes value and market rent. Underwriting checks the ratio. Nobody asks for your tax returns.
Close & Repeat
Close, place the tenant, and when the equity's grown — a cash-out DSCR refi funds the next one. That's the flywheel.
Requirements
These are general guidelines, not a quote or commitment to lend. Actual terms depend on credit approval, income, and underwriting — not all applicants will qualify, and programs and requirements are subject to change without notice. Through Movement Mortgage we have access to additional programs with different requirements. Contact David & Bri for options specific to your situation.
Pros & Cons
Advantages
Considerations
FAQ
5 questions
What is a DSCR loan?
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A loan where the investment property qualifies on its own cash flow. DSCR = monthly rent ÷ monthly payment (principal, interest, taxes, insurance, HOA). At 1.0 the rent covers the payment; most programs want 1.0-1.25. Your personal income never enters the equation.
Can I close in an LLC?
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On most DSCR programs, yes — which conventional loans generally don't allow. If you're building a portfolio with liability separation, this is one of DSCR's biggest practical advantages.
What if the property isn't rented yet?
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The appraiser completes a market rent schedule (Form 1007) as part of the appraisal, and the program uses that figure. Vacant properties finance fine as long as market rent supports the payment.
Do DSCR loans work for short-term rentals?
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Some programs count STR income (often using 12-month revenue history or a projection tool), others only use long-term market rent. If your Airbnb math is the whole deal, tell us up front and we'll match you to a program that counts it.
DSCR vs. conventional investment loan — which is better?
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If you qualify conventionally and it's your first or second rental, conventional usually prices better. DSCR wins when your tax returns are complicated, your portfolio is growing, or you want the LLC. We'll run both and tell you which one this deal wants.
Ready to explore dscr?
Schedule a complimentary consultation. We'll review your situation and tell you honestly whether this is the right move.