If you're building a real estate portfolio, DSCR loans are one of the most powerful tools available. They allow you to qualify for investment properties based on the property's rental income — not your personal income, not your tax returns, and not how many other properties you own.

Quick ExampleProperty rents for $2,200/month. Monthly mortgage payment is $1,800. DSCR = 2200 ÷ 1800 = 1.22. This property qualifies. The investor's personal income is never even part of the equation.

How DSCR Works

DSCR stands for Debt Service Coverage Ratio. It's calculated as: Monthly Rent ÷ Monthly Mortgage Payment (PITIA). A ratio of 1.0 means rent exactly covers the mortgage. Most lenders want 1.0–1.25+. Some lenders will go below 1.0 with compensating factors.

Who DSCR Loans Are For

Real estate investors who write off most of their income. Self-employed borrowers who own investment properties. W-2 employees who want to grow a portfolio beyond what conventional guidelines allow. Anyone who's been told they have “too many financed properties” for conventional financing.

DSCR in the DFW Market

With strong rental demand across the DFW metroplex — especially in suburbs like Garland, Mesquite, Grand Prairie, and Arlington — many investment properties cash-flow well enough to qualify easily under DSCR guidelines. I help investors identify properties where the numbers work and structure the financing accordingly.

Have a question about your specific situation? Call or text (269) 830-0020 directly.

Talk to Keith

Frequently Asked Questions

Can I use a DSCR loan to buy short-term rentals (Airbnb)?▾
Yes, some lenders allow DSCR calculations based on short-term rental income, using platforms like AirDNA to project income rather than a traditional lease. This is a newer product category and the lender options are more limited, but I work with lenders who offer it. The underwriting typically uses a blend of historical STR data for the market.
How many DSCR loans can I have at once?▾
Unlike conventional loans (which cap most investors at 10 financed properties), DSCR loans typically have no strict limit on the number of properties you can finance. Each loan is evaluated on its own merit — the property's cash flow — rather than your overall portfolio. This makes DSCR a key tool for scaling beyond conventional limits.

Building a DFW rental portfolio? I'll show you how to structure DSCR financing to scale without conventional roadblocks.

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