DSCR Investment Property Loans
Qualify based on rental income, not personal income. Perfect for real estate investors growing their portfolio.
The Lowdown on DSCR Loans
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify for a mortgage based on the rental income of the property — not their personal W-2 income or tax returns. This makes them ideal for self-employed investors and those with multiple properties.
The DSCR is calculated by dividing the property's gross rental income by its monthly debt obligations (PITIA). A DSCR of 1.0 means the property covers its own expenses; many lenders look for 1.0 to 1.25 or higher. Some programs allow DSCRs below 1.0.
At 5S Lending, we work with multiple lenders offering DSCR programs for single-family homes, 2-4 unit properties, and condos. No income verification required — just the property's rent schedule and appraisal.
Qualification Requirements
Your Home Loan Could Be Fully Funded 30 Days From Now
Fixed Rates
Lock in your rate for the life of the loan with predictable monthly payments.
ARM
Adjustable rate mortgages with lower initial rates that adjust over time.
Conforming / Jumbo
Standard and high-balance loans for a wide range of property values.
DSCR Investor Loans
Qualify using rental income — no personal income docs required.
FHA / VA / USDA
Government-backed loans with flexible qualification requirements.
HELOC & HELOAN
Tap your home equity for renovations, debt payoff, or cash reserves.
Get Your DSCR Loans Rate Quote Now!
Rate & APR Disclosure (Regulation Z / TILA): All rates shown are for illustrative and informational purposes only and do not constitute a loan offer, commitment to lend, or guarantee of any rate or terms. Actual interest rate, Annual Percentage Rate (APR), monthly payment, and total loan cost will vary based on creditworthiness, loan-to-value ratio, loan program, property type, occupancy, and prevailing market conditions at the time of application and rate lock. Rates and APR are subject to change without notice and may not be available in all areas. All loans subject to credit and property approval. 5S Lending LLC, NMLS #2572142 | Personal NMLS #2182419. Licensed in FL. Equal Housing Lender.