Commercial Capital
DSCR Financing
Investment-property financing where qualification may rely significantly on the property's cash flow rather than the borrower's personal income.
DISCUSS MY DEAL →What DSCR means
DSCR — the debt-service coverage ratio — measures whether a property's net operating income (NOI) covers its debt obligations. A DSCR above 1.0x means the property generates more income than its debt payments require. DSCR lenders focus on that ratio as a primary qualification metric.
Who it's built for
- Real estate investors with rental portfolios
- Investors whose personal income is complex or hard to document traditionally
- Buy-and-hold investors acquiring 1–4 unit investment properties
- Investors scaling a portfolio who want property-level qualification
What providers may consider
- Property rent roll and gross rental income
- Operating expenses and NOI
- DSCR threshold (often 1.0x–1.25x+)
- Property type and condition
- Borrower credit and reserves
Have a deal? Let's discuss structure.
Submission does not guarantee approval, funding, rates or terms. All financing is subject to underwriting and provider approval.
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