DSCR
DSCR HELOC Loans
A DSCR HELOC loan is a special type of home equity line of credit for real estate investors who own rental properties. It lets you borrow money against the equity in your rental home, without having to show your own paychecks or tax returns. The lender looks at how much rent your property brings in ... Read more
DSCR Loan Florida Guide
Can you get a DSCR loan in Florida? Yes and Florida is currently one of the most active DSCR loan markets in the United States in 2026. With no state income tax, strong population growth, top-tier short-term rental markets in Miami, Orlando, and Tampa, and a large population of self-employed investors, Florida DSCR loans have ... Read more
DSCR Loans Pros and Cons
DSCR loans let real estate investors qualify on a rental property’s cash flow instead of personal income—no tax returns, W-2s, or employment verification required. The main pros for DSCR financing are flexible qualification, fast closings, unlimited property scaling, and LLC-friendly structures. The main cons are higher interest rates (roughly 0.75% to 2% above conventional investment-property ... Read more
Can You Get a DSCR Loan With No Money Down in 2026?
No — a true zero-down DSCR loan does not exist in 2026. Every legitimate DSCR lender requires a down payment because the loans are sold to institutional investors who set strict LTV limits. Most DSCR loans require 20% to 25% down. The lowest verified minimum is 10% down with a seller-carried second mortgage, and 15% ... Read more
How to Get a DSCR Loan
To get a DSCR loan in 2026, follow five steps. Find an investment property that produces a Debt Service Coverage Ratio (DSCR) of 1.0 or higher, partner with a DSCR-focused lender or non-QM mortgage broker, gather your file (credit report, asset statements, current lease or market rent appraisal), submit your application, and close in as ... Read more
DSCR vs. Conventional Mortgage
When purchasing a property, selecting the right home financing option is crucial to ensuring financial stability and long-term success. Two common types of home mortgages that real estate investors and homebuyers consider are Debt Service Coverage Ratio (DSCR) loans and conventional mortgages. BD Nationwide has been helping home buyers and real estate investors find the ... Read more
