DSCR Investor Loans — Available Nationwide
Blue Fox Capital offers Debt Service Coverage Ratio (DSCR) loans for real estate investors across all 50 states. Qualify based on your investment property’s rental income — not your personal tax returns or W-2s.
Loan Highlights
- Minimum Loan: $250K+
- Interest Rates: Low 5s
- Amortization: Up to 30 years
- Minimum Credit Score: 620+
- DSCR Requirement: 1.25x / No Ratio options available
- Property Count: No limit
- Closing Timeline: 21–30 days
- Availability: All 50 states
How DSCR Loans Work
A DSCR loan qualifies you based on the property’s ability to generate income, not your personal finances. The Debt Service Coverage Ratio compares the property’s net operating income to its debt obligations. A DSCR of 1.25x means the property generates 25% more income than needed to cover the mortgage payment.
Who DSCR Loans Are For
- Portfolio Investors — No limit on the number of properties you can finance
- Self-Employed Borrowers — No tax returns or income verification needed
- Short-Term Rental / Airbnb Investors — Programs for STR income
- Business Owners — Complex tax returns are not a barrier
Eligible Property Types
- Single-family rentals
- Multifamily (2–4 units)
- Multifamily (5+ units)
- Short-term rentals / Airbnb / VRBO
- Vacation homes (with rental income)
DSCR vs. Conventional Investment Loans
| Feature | DSCR Loan | Conventional |
|---|---|---|
| Income Verification | Property income only | Full personal income docs |
| Property Limit | No limit | 6–10 properties max |
| Tax Returns Required | No | Yes (2 years) |
| Self-Employed Friendly | Yes | Complex |
| Closing Speed | 21–30 days | 45–60 days |
Program Options
- Standard DSCR (1.25x) — Best rates for properties with strong rental income
- No-Ratio DSCR — For properties that don’t yet meet the 1.25x threshold
Get Your DSCR Loan Quote
Ready to scale your portfolio without the paperwork? Call (310) 756-3619 or request your term sheet — we respond within 24 hours.
Get a DSCR Loan Quote
Own or plan to buy a rental property? Let us run the numbers on a DSCR loan for your investment.
Request a Quote | (310) 756-3619
DSCR Loan FAQ
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property rather than your personal income. If the property’s rent covers the mortgage payment, you can qualify.
Do I need to show tax returns for a DSCR loan?
No. DSCR loans do not require personal tax returns, W-2s, or pay stubs. Qualification is based on the property’s cash flow.
What is the minimum DSCR ratio required?
Most programs require a minimum DSCR of 1.0, meaning the property’s rental income must at least cover the monthly mortgage payment. Some programs allow ratios below 1.0 with compensating factors.
Can I use a DSCR loan for short-term rentals?
Yes. Many DSCR programs accept short-term rental income from platforms like Airbnb, using either actual rental history or a market rent analysis.