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Stateside Lending — NMLS 2567704
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DSCR loans, explained

Qualify on the property's cash flow — not your income.

DSCR

A DSCR (Debt-Service Coverage Ratio) loan qualifies based on whether the property's rental income covers its debt — not your personal income or tax returns. It's the workhorse loan for buy-and-hold investors.

How DSCR is calculated

DSCR = monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, association dues). 1.0 means rent exactly covers the payment; 1.2+ means healthy cash flow.

Rent $2,400 ÷ PITIA $2,000 = 1.20 DSCR — typically a strong, qualifying number.

Why investors love it

  • No tax returns, W-2s, or income docs.
  • Close in an LLC and keep scaling without DTI limits.
  • Works for single-family, 2–4 unit, and condos.

Run your number

Use our DSCR calculator, then send us the deal. If our in-house program isn't the sharpest fit, we shop it across 109+ lenders.

Educational content only — not financial advice or a commitment to lend. Programs, rates, and guidelines vary and change; talk to a Stateside expert about your specific situation. NMLS #2567704.

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