DSCR Loans in Columbus, OH
Build your rental empire with confidence — qualify based on your property's income, not your personal pay stubs.
Unlock capital. Skip the stress.
Our DSCR loans are designed specifically for real estate investors who want to grow their portfolio without the traditional lending hassles.
Qualification based on rental income
No W-2s. No personal tax returns. Let your property's cash flow do the work.
Speedy closings
Funding in as little as 5-7 business days, even for more complex deals.
Flexible loan amounts
Loans up to $1,000,000, with competitive terms and options for cash-out or refinance.
Investor-friendly structure
Designed for real estate investors — minimal documentation, clear terms, fewer surprises.
Everything you need to know about DSCR loans
What is a debt service coverage ratio (DSCR)?
Your DSCR = Net Operating Income (NOI) / Total Debt Service. A DSCR above 1.0 means your rental income covers your loan payments—making you a solid candidate for financing.
What is a DSCR Loan?
A DSCR loan is designed for real estate investors, letting you qualify based on your rental income, not personal income. If your property cash flows, you're in business!
Use cases of DSCR loans
DSCR loans are great for purchasing rental properties, refinancing investments, cash-out refinancing, and expanding real estate portfolios.
Who should consider a DSCR loan?
How It Works
Our streamlined process makes it easy to get the DSCR financing you need for your investment properties.
Apply Online
Start your DSCR loan application in minutes with our simple online form. Based on rental income - no W-2s or tax returns required.
Speak with a DSCR loan expert
Get personalized guidance from our experienced team who specialize in investment property financing and DSCR loans.
Submit property documentation
Provide rental income documentation, property appraisal, and lease agreements for DSCR calculation and verification.
Get approved
Receive your DSCR loan approval in 5-7 days and start expanding your rental portfolio with confidence.
Close your loan
Finalize your DSCR loan and start building your rental empire with property-based income qualification.
Your rental income just got more powerful
Fast funding
Get up to $400K funded in as few as 5 days (even complex deals close in under 9).
No W-2s, no tax returns
Qualify based on your rental income alone, no traditional income verification needed.
Smarter tech, faster approvals
Our AI-powered system instantly scans docs, leases, and property details, cutting through red tape.
💡 Frequently Asked Questions
To qualify for a DSCR loan, you typically need a minimum credit score of 640, a DSCR of 1.0 or higher, and the property must be an investment property. You'll also need to provide rental income documentation, property appraisal, and proof of property management experience.
DSCR (Debt Service Coverage Ratio) is calculated by dividing the property's Net Operating Income (NOI) by the total debt service (principal + interest payments). The formula is: DSCR = NOI ÷ Total Debt Service. A DSCR of 1.0 means the property generates exactly enough income to cover the loan payments.
A good DSCR is typically 1.25 or higher, meaning the property generates 25% more income than needed to cover loan payments. Most lenders prefer a DSCR of 1.2-1.4, as this provides a safety buffer for vacancies, maintenance, and other unexpected expenses.
You can improve your DSCR by increasing rental income (raising rents, reducing vacancies, adding amenities), decreasing operating expenses (better property management, energy efficiency), or reducing the loan amount (larger down payment, shorter loan term).
No, DSCR loans are not hard money loans. DSCR loans are typically offered by traditional lenders and have longer terms (15-30 years), lower interest rates, and more favorable terms than hard money loans, which are usually short-term (6-18 months) with higher rates.
Most DSCR lenders require a minimum credit score of 640-680, though some may accept scores as low as 620. Higher credit scores (700+) typically qualify for better interest rates and terms. Your credit score affects both qualification and pricing.
The minimum down payment for DSCR loans typically ranges from 20-25% of the property's purchase price. Some lenders may require up to 30% for higher-risk properties or borrowers. The down payment requirement depends on factors like credit score, DSCR, and property type.
Ready to expand your rental portfolio?
Get a custom quote today — see how much we can unlock with your property's income.