DSCR Loans
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on a property's rental income rather than personal income or tax returns. Ideal for portfolio builders, out-of-state investors, and self-employed borrowers who want to scale without traditional bank documentation.
Start with a quick overview of your deal.
Tell us about your project and we'll respond within 48 hours with next steps — no upfront fees, no obligation.
Why choose dscr financing with Yoder Funding.
No personal income or tax return requirements for many programs
Finance 1–4 unit residential and select commercial investment properties
Fixed and adjustable rate options with terms up to 30 years
Close in as little as 10–21 business days with complete documentation
Available for purchases, refinances, and cash-out on stabilized rentals
What lenders typically look for.
Requirements vary by program and lender. We match your deal to the right fit.
- ✓Minimum DSCR of 1.0–1.25 depending on program and property type
- ✓Credit scores typically starting around 620–680
- ✓Investment property only — no owner-occupied
- ✓Property must be rent-ready or currently leased
- ✓Down payment or equity typically 20–25% for purchases and refinances
Common questions about dscr loans.
What credit score is required for a DSCR loan?
Requirements vary by lender, but many programs begin around 620–680 depending on the transaction, property type, and loan amount.
How quickly can a DSCR loan close?
Many investment loans can close within 10–21 business days depending on documentation, appraisal, and underwriting.
Can I use a DSCR loan for a short-term rental?
Some lenders accept short-term rental income from platforms like Airbnb. We match your property to programs that recognize STR income.
See if your rental property qualifies for DSCR financing.
Request a Loan Review