DSCR Home Loan
Qualify based on rental income, not personal income
Focus on the debt-service coverage ratio to get the right home loan. DSCR loans qualify based on the property's rental income rather than your personal income, making them ideal for investors.
Key Features
- Qualify based on property cash flow
- No personal income verification needed
- Available for investment properties
- Unlimited number of financed properties
Who Is This For?
Real estate investors looking to qualify based on rental income rather than personal income documentation.
How It Works
Three steps from your first question to keys in hand.
Apply in minutes
Answer a few simple questions online — no credit check to get started.
We review your file
A licensed loan officer reviews your goals and matches you to the right program.
Close on your home
Sign your docs and get the keys — we handle the paperwork and lender coordination.
What You'll Need
A few basics get the ball rolling. Your loan officer will walk you through anything specific to the DSCR program.
Start My Pre-Approval- Government-issued photo ID
- Two most recent pay stubs or proof of income
- Last two years of W-2s or tax returns
- Two months of bank statements
- Property information (if you have a home in mind)
Frequently Asked
Answers to the questions we hear most about the DSCR program.
Do I need perfect credit to qualify?+
No. We work with a wide range of credit profiles and will help you find the right program for your situation — even if you've had bumps along the way.
How long does the pre-approval take?+
Most clients get pre-approved within 24 hours. The initial online form takes about 10 minutes to complete.
Is there a fee to apply?+
Applying and getting pre-approved is completely free. There's no obligation, and we never run a hard credit check until you're ready to move forward.
Can I lock my rate?+
Yes. Once you have an accepted offer, we can lock your rate to protect you from market swings while your loan is in underwriting.
Ready to Get Started?
Get pre-approved for a DSCR loan in minutes. No credit check, 100% free, no obligation.
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Zoom Home Lending, LLC — NMLS #2620616