DSCR Loans
Finance investment properties on rental income. No employment income verification required.
DSCR loans qualify you based on what the property earns, not what you earn. If the monthly rent covers the mortgage payment, you can qualify. No W2s, no tax returns, no pay stubs. No employment income verification required. Income documentation is not required. Ideal for investors growing a portfolio without tying personal income to every deal.
Who This Is For
Real estate investors buying rental properties in South Florida
Self-employed buyers and business owners who want to keep personal tax returns out of the deal
Portfolio investors adding properties without disrupting personal income documentation
Foreign nationals and high-net-worth individuals with complex or non-traditional income
Investors with high personal DTI whose rental properties already cash-flow well
Anyone who wants to finance based on what the property earns, not what they personally earn
Requirements
How Sofla Helps
Our AI qualification engine handles the heavy lifting so you can focus on closing.
The qualification engine detects investment property scenarios and routes to DSCR when personal income is unavailable or not preferred
Sofla estimates your coverage ratio based on loan amount and local market rent data so you know where you stand before speaking to a lender
Matches investors to lenders who specialize in DSCR portfolios rather than generalist retail mortgage officers
Document checklist covers only property-level items: appraisal, lease or rent schedule. No personal income documents requested
Get Qualified for DSCR Loans
A few questions. A real score. The exact document list for your loan type.
Start Qualification