Unlock Your Home's Value
DSCR Investor Loan
Grow your real estate portfolio — qualify based on the property's income, not your own.
Unlock Your Home's Value
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying based on your personal income, tax returns, or W-2s, this loan looks at whether the property’s rental income can cover its own mortgage payment. It’s designed specifically for real estate investors, making it easier to grow a portfolio without personal income getting in the way.
Why Investors Use It
- Qualify based on the property's rental income, not your personal income or tax returns
- Finance single-family homes, condos, 2-4 unit properties, and more
- Flexible options for first-time investors and foreign nationals
- A faster, simpler path to growing your investment portfolio
Is This Right for You?
This loan is built for real estate investors — whether you’re buying your first rental property or adding to an established portfolio. It’s especially useful if your personal income (or tax returns) don’t tell the full story of your financial picture. A loan officer can walk you through whether a specific property and your situation are a good fit.
Frequently Asked Questions
Do I need to show my personal income or tax returns?
No — DSCR loans qualify based on the property’s rental income rather than your personal income or tax returns.
Can first-time real estate investors use this program?
Yes, this program includes options designed for first-time investors, not just experienced ones.
What types of properties qualify?
Single-family homes, condos, 2-4 unit properties, and more can qualify. A loan officer can confirm whether your specific property fits.
Is this only for U.S. citizens?
No, this program includes options for foreign nationals as well. A loan officer can walk you through what applies to your situation.
See If a DSCR Loan Fits Your Investment Goals
Every property and every investor’s situation is different. Talk to a MegaStar loan officer to see how a DSCR loan could work for you.
