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DSCR Home Loan Program
This program helps real estate investors qualify for financing based on a property's rental income potential, instead of personal income, tax returns, or employment history.
DSCR Home Loan Program Highlights
No Personal Income or Employment Verification
Qualify Based on Property Cash Flow, Not Pay Stubs
Loan Amounts Up To $3 Million
Purchase, Rate/Term or Cash Out
Loan To Values Up To 80%
Credit Scores Down To 620
Non-QM Home Loans are not predatory subprime loans. They are legitimate, well-underwritten mortgage products offered by institutional lenders that allow alternative forms of income documentation, higher debt-to-income.
Not sure if your property qualifies? Let's find out together.
Who Are DSCR Home Loans For?
Real estate investors who want to qualify using a property's rental income, not their personal tax returns
Real Estate Investors
Growing Landlords
Short-Term Rental Hosts
LLC & Entity Buyers
Eligible Property Types:
Single Family Residences
2-4 Unit
Condos
Townhomes
Eligible Occupancy Types:
Investment Properties Only
Key Benefits:
No personal income or tax returns required to qualify
Qualify based on the property's rental income, not your paycheck
Pre-underwriting reviews your file before you write an offer
How It Works:
Get pre-underwritten so your full file is reviewed up front
Order a rental income estimate to calculate your DSCR ratio
Credit score, down payment, and reserves determine final terms
Frequently Asked Questions About DSCR Loans
Q: What is a DSCR loan?
A: A DSCR loan qualifies you based on a property's rental income instead of your personal income or tax returns. Lenders compare the property's monthly rent to its monthly mortgage payment, so approval is based on the deal itself, not your paycheck.
Q: What credit score do I need to qualify?
A: DSCR loans are available with credit scores down to 620. The exact terms you qualify for, including rate and down payment, depend on your full financial picture, so getting pre-underwritten early gives you a clear answer.
Q: How is the DSCR ratio calculated?
A: Divide the property's monthly rental income by its monthly mortgage payment, including taxes, insurance, and HOA if applicable. A ratio of 1.0 means rent covers the payment exactly; most lenders prefer 1.0 to 1.25 or higher.
Q: Can I close in the name of an LLC?
A: Yes. DSCR loans can close in the name of an LLC or other business entity, which is one reason they're popular with investors building a rental portfolio.
Q: Is there a limit to how many properties I can finance?
A: Unlike conventional loans, DSCR loans typically don't cap the number of financed properties you can hold, making them a common choice for investors scaling a portfolio.
Why Choose Dan Keller for Bank Statement Home Loan Financing?
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Buying a home in Snohomish or King County comes with enough surprises. Your loan shouldn't be one of them. Dan Keller and his Everett-based team have helped local buyers close on time, even when the deal got complicated, with 535+ five-star reviews to show for it. Clients and agents say the same thing again and again: fast responses, clear answers, and someone who actually picks up the phone on a weekend if you need them.
This isn't a call center. It's a small team of underwriters, loan officers, and processors who live and work right here in Everett, and who treat every file like it's the only one on their desk.
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