Answers for real estate investors

How to Use Airbnb or VRBO Income to Qualify for a DSCR Loan

Short-term rental income can count toward DSCR qualification — here's how it's documented and what lenders actually want to see.

Asset Depletion for DSCR Loans: Qualifying When the Rent Doesn't Quite Cover the Payment

When a property's DSCR falls just short, eligible liquid assets can sometimes close the gap. Here's exactly how that math works.

What Credit Score Do You Need for a DSCR Loan?

Minimum scores start lower than you might expect, but your exact tier determines the loan-to-value ratio and reserve requirement you'll face.

DSCR Below 1.0? Here's What Still Qualifies

A DSCR under 1.00 doesn't automatically disqualify a property. Here's how lenders actually handle it, and what your options look like.

DSCR Loan Down Payment: How Much Do You Actually Need?

Down payment requirements swing more than you'd expect based on your DSCR and credit score. Here's what actually drives the number.

DSCR Loan vs. Conventional Investment Property Loan: What's the Difference?

Both finance rental property, but they qualify you in fundamentally different ways. Here's how to know which one actually fits your situation.

Can I Use a DSCR Loan If I'm a First-Time Real Estate Investor?

First-time investor and first-time homebuyer are two different things in DSCR underwriting — mixing them up leads to a lot of confusion. Here's the actual distinction.

How Many Rental Properties Can I Finance? DSCR Loans and Portfolio Growth

Conventional financing caps out around 10 financed properties. Here's how DSCR loans approach that limit differently.

Can I Get a Rental Property Loan Without Showing My Personal Income?

Yes — DSCR loans qualify the property, not you. Here's what that actually means for what you do and don't need to provide.

What Is a DSCR Loan? A Plain-English Guide for Real Estate Investors

DSCR loans qualify a property on its own rental income instead of your personal finances. Here's how they actually work.