What is DSCR Loans?
DSCR (Debt Service Coverage Ratio) loans are a type of investment property financing that qualifies borrowers based on the rental income a property generates rather than the borrower's personal income. The DSCR is calculated by dividing the property's monthly rental income by the total monthly mortgage payment (including principal, interest, taxes, and insurance).
At Roxford Holdings, our DSCR loan program is designed for real estate investors who want to scale their portfolios without the documentation burden of traditional financing. No tax returns, W-2s, or pay stubs are required — qualification is based entirely on the property's ability to generate sufficient rental income.
A DSCR of 1.0 means the property's income exactly covers the mortgage payment. Most lenders require a minimum DSCR of 1.0 or higher, though Roxford Holdings can work with investors on properties approaching that threshold. This makes DSCR loans the preferred tool for serious real estate investors.
How it compares: DSCR loans differ from conventional investment loans by eliminating personal income verification entirely. Qualification is based solely on property cash flow, making them ideal for investors with complex tax situations.
Who Qualifies for DSCR Loans?
How to Apply for DSCR Loans
Identify a rental property and determine expected rental income
Apply with Roxford Holdings — provide property details, no tax returns needed
We calculate the DSCR: monthly rent divided by monthly mortgage payment (PITIA)
Complete property appraisal including rent schedule verification
Close on your investment property — typically within 15-30 days
Key Features
Benefits
Requirements
Investment property only
DSCR ratio typically 1.0 or higher
20-25% down payment minimum
Credit score 620+ typically
Property management experience preferred
Frequently Asked Questions
DSCR is calculated by dividing the property's monthly rental income by the monthly mortgage payment (principal, interest, taxes, insurance). A ratio of 1.0 or higher is typically required.
No, DSCR loans are specifically designed for investment properties only. They cannot be used for primary residences or second homes.
No, that is one of the primary advantages of DSCR loans. Qualification is based entirely on the property's rental income, so no personal tax returns, W-2s, or pay stubs are required.
Yes, DSCR loans are available for LLC, corporation, and entity borrowers. This is one of the most popular aspects of the program for real estate investors.
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"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc