Can't Qualify for an Investment Property Loan?
You own a business. Your income fluctuates. You write off everything on taxes. Conventional lenders see your Schedule E and say "not enough income." Even if you have $100K in the bank and three profitable rentals, the W-2 algorithm rejects you.
DSCR loans solve this. They qualify you on the property's income — not yours. No pay stubs. No tax returns. No employment verification. If the rent covers the mortgage, you qualify.
PIE's DSCR loan calculator shows you exactly where you stand in 30 seconds.
See if your rental property qualifies for a DSCR loan — free, instant, no W-2 needed.
Check your DSCR qualification free Free · No signup · Any US propertyHow DSCR Loans Work
DSCR = Debt Service Coverage Ratio. It measures whether the property's rental income covers the mortgage payment.
| DSCR Ratio | What It Means | Qualification |
|---|---|---|
| Below 1.0 | Rent doesn't cover the mortgage | Most lenders decline |
| 1.0–1.24 | Rent barely covers the mortgage | Some lenders, high rates |
| 1.25–1.49 | Comfortable cushion | Most lenders approve |
| 1.50+ | Strong positive cash flow | Best rates and terms |
Example: A property with $1,800/month rent and $1,400/month mortgage payment has a DSCR of 1.29 ($1,800 ÷ $1,400). Most lenders approve.
What You Need to Qualify
- 15–25% down payment (lower DSCR requires higher down payment)
- Credit score 620+ (680+ for best rates)
- Property appraisal confirming value and rent
- No W-2 or tax returns required — the property qualifies, not you
"Self-employed for 8 years — conventional lenders kept saying no. DSCR loan approved in 2 weeks based on the property's rent alone. Closed on my third rental last month."
→ Compare DSCR with other financing options in our investment property loans guide.
→ Use the rental property calculator to see full cash flow on any DSCR-financed deal.
→ Learn the financial metrics behind DSCR calculations.