DSCR Loan
DSCR Loans: Smart Financing for Real Estate Investors
Are you a real estate investor looking to grow your portfolio without the hassle of traditional income documentation? A DSCR loan from Fast Home Path may be your ideal solution.
DSCR loans — short for Debt Service Coverage Ratio loans — are designed specifically for real estate investors. Instead of relying on your personal income, this loan focuses on the income generated by the property itself. That means faster approvals, fewer hurdles, and more opportunities to scale your investments.
What Is a DSCR Loan?
A DSCR loan is a type of real estate investment mortgage that qualifies you based on the cash flow of the property — not your job, W-2s, or tax returns.
The key metric? The Debt Service Coverage Ratio, which compares the property’s monthly rental income to its monthly mortgage payment.
Example:
If a property rents for $2,000 per month and the monthly mortgage payment is $1,500, the DSCR is 1.33 — which shows the income more than covers the debt.
Who Should Use a DSCR Loan?
DSCR loans are ideal for:
Real estate investors
Self-employed individuals
Borrowers with complex or fluctuating income
Investors building or expanding rental portfolios
Foreign nationals without U.S. income history
If you own or plan to purchase a rental property and want a low-doc, cash-flow-based loan, a DSCR program may be the smartest route.
Key Benefits of a DSCR Loan from Fast Home Path
✅ No Tax Returns or W-2s Required
✅ Based on Property Income, Not Personal Income
✅ Quick Approvals and Closings
✅ Eligible for Single-Family, Multi-Unit, and Short-Term Rentals
✅ Great for Portfolio Expansion and Repeat Investors
✅ Available to U.S. and Foreign Investors
Minimum Requirements
While DSCR loans are flexible, here’s what lenders typically look for:
DSCR of 1.0 or higher (some exceptions accepted)
Minimum credit score of 620–660, depending on the program
20%–30% down payment
Rental income supported by a lease or market rent report
Good overall borrower profile (experience helps!)
DSCR = Simplicity for Investors
DSCR loans make financing easy by focusing on what matters most — the cash flow of your investment property. Whether you’re buying, refinancing, or cashing out equity, Fast Home Path can help you do it with less paperwork and more freedom.
Why Real Estate Investors Choose Fast Home Path
At Fast Home Path, we know real estate investing isn’t a 9-to-5 job — and your mortgage process shouldn’t be either. That’s why we offer:
✔ Flexible DSCR loan programs for residential investors
✔ Fast pre-qualifications and investor-friendly terms
✔ Local expertise in Florida’s top rental markets
✔ A hands-on team that understands your business goals
