Investment
DSCR Investor Loan
Qualify on the property's cash flow, not your tax returns.
Qualifies on
Property cash flow
Income docs
Not required
Vesting
LLC allowed
Use
Investment only
Overview
Debt-Service Coverage Ratio loans let real estate investors qualify based on a property's rental income rather than personal income documentation. Ideal for scaling a portfolio without W-2 friction.
Best for
- Real estate investors scaling a portfolio
- Self-employed buyers with complex tax returns
- Buyers using LLCs to hold property
When it's not the fit
- The property's rents don't cover the payment
- You want the lowest possible rate of a primary-residence loan
How it works with BISU
- 1
We calculate the property's DSCR from market or lease rents.
- 2
We structure the loan in your name or your LLC.
- 3
We skip the personal income documentation grind.
- 4
We close so you can keep acquiring.
Frequently asked
What DSCR do I need?
Many programs want 1.0+ (rent covers the payment), but we have options below that with the right down payment. We'll run your numbers.
Compare with other programs
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