DSCR Loan
A non-QM investment property loan that qualifies on the property's rental income vs PITIA — not the borrower's personal income. No tax returns, W-2s, or DTI required. Available for purchase, rate-and-term refinance, and cash-out refinance on rental properties. See 2026 DSCR Requirements →
Why it matters on a DSCR loan
DSCR loans are the default financing tool for investors who are self-employed, already carry several mortgages, or simply don't want to hand over tax returns — the property qualifies, not your paystub. You'll still be underwritten on credit, reserves, and down payment, so 'no income docs' doesn't mean no underwriting. They work for purchases and refinances alike, which is why programs like those at DSCR Capital Partners cover the full lifecycle from acquisition through cash-out.
Related terms
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).