Debt Service Coverage Ratio (DSCR) Loan Program
Finance Investment Properties with Rental Income, Not Personal Income
At NOLA Lending Group, we specialize in helping investors secure flexible, efficient mortgage solutions tailored to their goals. With our DSCR loan program, you can grow your rental portfolio without the traditional income hurdles. Whether you’re buying your first rental or adding to your existing properties, our experienced mortgage professionals are here to guide you.
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What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is a specialized real estate investment mortgage designed for borrowers looking to qualify based on a property's income potential—not their personal income. Instead of analyzing employment history or personal income, the DSCR loan evaluates whether the property's rental income covers the monthly loan payments.
Who is a DSCR Loan For?
This program is ideal for real estate investors who want to purchase or refinance rental properties using the cash flow the property generates.
- Real estate investors financing income-producing properties
- Buy-and-hold investors focused on long-term rental portfolios
- Landlords expanding their real estate assets
- Clients with non-traditional income sources who may not qualify for conventional loans
DSCR Loan Benefits and Features
The DSCR loan program offers flexible financing for rental property investors by focusing on property cash flow instead of personal income, making it ideal for expanding real estate portfolios.
- No personal income verification required
- Qualify based on rental income from the subject property
- Multiple transaction types: Purchase, Rate/Term Refinance, Cash-Out, and Refinance
- Eligible properties: 1–4 unit residential properties
- Occupancy: Investment only
- Loan Term: 30-year fixed
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Find a Loan Officer
Contact your local NOLA Lending Loan Officer today to learn how a DSCR loan can help you build your investment property portfolio.
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If you're ready to submit your application, click the Fill Out a Pre-Qualification Application button and jump right in.
Fill Out a Pre-Qualification Application
LENDING IN ALL STATES EXCEPT: KANSAS, MARYLAND, NEW JERSEY, AND NEW YORK
Information stated above is subject to change without notice. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend or offer an extension of credit. All loans are subject to credit approval. Not all applicants will qualify for all products offered. All loan programs, terms and interest rates are subject to change without notice and may only be available in select markets. The services and products advertised are not approved or endorsed by HUD, USDA, the Department of Veterans Affairs, or any government agency.