Let the property qualify itself. An investor cash flow (DSCR) loan underwrites the rental income the property produces — not your personal income — so you can scale a rental portfolio faster.
What Is a DSCR Loan?
A DSCR loan uses the debt service coverage ratio — the property's monthly rental income divided by its total monthly payment (principal, interest, taxes, insurance, and HOA) — to qualify. A DSCR of 1.0 means rent covers the payment; above 1.0 means the property cash-flows. CrossCountry Mortgage's Signature Expanded Investor Cash Flow Loan is built for exactly this.
Who It's For
✓Real estate investors building rental portfolios
✓Rental property buyers who want fast, repeatable financing
✓Short-term & vacation rental owners
✓Investors with complex personal income
Requirements at a Glance
- DSCR of 1.0 or higher (varies by program)
- Credit scores from ~620
- Down payments from ~15%
- Loan amounts from ~$100K to $3M+
- Single-family, multi-family, vacation, and short-term rentals
- Multiple DSCR loans allowed for portfolio building
- No personal income, tax returns, or pay stubs required
- Jumbo access available
Pros & Cons
Pros
- Qualify on the property, not personal income
- Repeatable — build a portfolio with ease
- Works for short-term and vacation rentals
- No tax returns or W-2s required
Cons
- Higher rates and down payments than owner-occupied loans
- Appraisal must support the rental income
- Reserves may be required
Jimmy's tip: Run your DSCR before you buy — know the rent-to-payment math on any property and you'll know exactly how it'll underwrite.
Investor Cash Flow (DSCR) Loan FAQs
Straight answers to the questions borrowers ask most. Your loan officer is always your best resource for your specific situation.
What is a DSCR loan?
A DSCR (debt service coverage ratio) loan qualifies you based on the rental income a property generates relative to its mortgage payment, rather than your personal income. DSCR = monthly rental income ÷ monthly housing payment (PITIA).
What DSCR ratio do I need?
Most programs want a DSCR of 1.0 or higher, meaning the rent at least covers the payment. Some lenders accept lower ratios with a larger down payment or cash reserves.
Do I need to show personal income for a DSCR loan?
No. That's the defining feature — the property's cash flow qualifies you, so tax returns, pay stubs, and W-2s aren't required.
What types of properties qualify?
Income-producing properties including single-family rentals, multi-family, and some commercial — plus vacation rentals and short-term rentals in many cases. Condos and condotels may also qualify.
How many DSCR loans can I have?
There's no hard personal limit — many investors use DSCR loans to build portfolios of multiple rental properties, limited mainly by lender exposure caps.
CrossCountry Mortgage, LLC · NMLS #1444822 · Equal Housing Lender
This page is for informational purposes and is not a commitment to lend. Program availability, guidelines, rates, and terms vary and are subject to change. Your rate may vary. Terms apply.