DSCR & Investor Loans
Qualify on the property's cash flow — not your personal income — built for real estate investors.
What it is
DSCR (Debt-Service Coverage Ratio) loans qualify you on the rental income a property generates rather than your personal income — a flexible path for investors growing a portfolio.
Qualify on cash flow
Approval is based on the property's rental income covering the payment — not W-2s or tax returns.
Portfolio-friendly
Finance multiple investment properties without traditional personal-income caps.
Streamlined documentation
Less personal income paperwork than conventional investor loans.
DSCR programs typically require a larger down payment and reserves, and terms vary with the property's cash flow. We'll model your scenario.
- Real estate investors and landlords
- Buyers who don't want to document personal income
- Single-family rentals, condos, and multi-unit properties
- Scaling a portfolio beyond conventional limits
See if it fits your goals
A licensed Trojan advisor will review your scenario and outline a clear next step. No obligation, no impact to your credit.
Ready to see your options?
Get a custom loan review from a licensed Trojan Home Loans advisor. No obligation, no impact to your credit.
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