How Does a DSCR Loan Work? A Complete Guide for Rental Investors (2026)
A DSCR loan qualifies the property by its cash flow instead of your personal income. The lender divides the rent by the loan payment to get a Debt Service Coverage Ratio (DSCR); if rent covers the payment, the loan can be approved — no W-2s, tax returns, or debt-to-income calculation required. That is why DSCR […]
