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DSCR Investor Loans
Qualify on the rental income, not your tax returns. Nationwide through our lender network.
- Up to 80% LTV
- Terms up to 40 years
- From $250K
On select programs, subject to lender approval. Not all applicants will qualify.
Blue Fox Capital offers Debt Service Coverage Ratio (DSCR) loans for real estate investors. Business-purpose and commercial financing available nationwide through our lender network, subject to lender approval. Qualify based on your investment property’s rental income — not your personal tax returns or W-2s.
California investor? See our California Investor Rental Loans (DSCR & Bank Statement) page.
Loan Highlights
- Leverage: up to 80% LTV on select purchase and rate/term programs; cash-out limits are often lower
- Minimum Loan: $250K+
- Terms: 30- and 40-year fixed, with interest-only options, on select programs
- Credit Score: minimums apply and vary by program (commonly 640+)
- DSCR: programs at 1.0x and above, with select programs below 1.0x or no-ratio, with restrictions
- Availability: Business-purpose and commercial financing available nationwide through our lender network, subject to lender approval.
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 — Grow a rental portfolio, with LLC vesting on select programs
- Self-Employed Borrowers — No personal tax returns needed on DSCR programs (investment properties only)
- 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)
- Small multifamily (5–8 units) and 2–8 unit mixed-use on select programs
- Short-term rentals / Airbnb / VRBO
DSCR vs. Conventional Investment Loans
| Feature | DSCR Loan | Conventional |
|---|---|---|
| Income Verification | Property income only | Full personal income docs |
| Tax Returns Required | No | Yes (2 years) |
| Self-Employed Friendly | Yes | Complex |
Program Options
- Standard DSCR (1.0x and above) — Generally the strongest terms, for properties whose rent covers the payment
- Low-Ratio and No-Ratio DSCR — Select programs allow a ratio below 1.0x or no ratio, usually with lower leverage and other restrictions
Simple documentation, foreign nationals considered, nationwide on most programs. Programs, terms, states and availability vary and are subject to credit, property eligibility and lender approval.
- 30-Year Fixed Investor — Loans from $75,000 to $2 million, up to 75% LTV, fully amortized, for purchase, rate/term and cash-out refinance
- Fast50 — A high-equity program up to 50% LTV with simple documentation and flexible credit guidelines
- Interest-Only Investor — 24-month interest-only for short-term investor financing, with no prepayment penalty
- Large-Balance Investor Loans — $2 million to $10 million in major metro areas, for experienced investors
Additional programs for single-family, condo and 2–4 unit investment property, offered under the Blue Fox Capital label through our lending partner and subject to approval:
Blue Fox Investor Loans: 1–4 Unit Rental and Investment Property
Get Your DSCR Loan Quote
Ready to scale your portfolio without the paperwork? Call (310) 756-3619 or request your term sheet — we target a term sheet within 24 hours (a term sheet is not an approval).
← Back to All ProductsGet a DSCR Loan Quote
Own or plan to buy a rental property? Let us run the numbers on a DSCR loan for your investment.
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.
Do you offer investor loans that are not DSCR loans?
Yes. For one- to four-unit investment property we also offer investor programs that qualify on simple documentation, including a high-equity option with flexible credit guidelines. Terms, loan amounts and availability vary and are subject to approval.
Blue Fox Capital Corporation lends on select DSCR, fix-and-flip and construction programs and arranges other financing as a mortgage broker through third-party lenders. Programs, terms and availability vary by loan and are subject to approval. CA DRE 01527288 | NMLS 1840487. Daniel Eckhouse, NMLS 217328 | CA DRE 01977403. The loans described on this page are business-purpose loans secured by non-owner-occupied investment or commercial property. They aren’t available for a home you live in or plan to live in. Program ranges are marketing ranges, not guarantees. They’re subject to change without notice, and to borrower qualification, property eligibility, appraisal and lender approval. Not all applicants will qualify. This is not a commitment to lend. Equal Housing Opportunity. 66350 Pierson Blvd, Suite A, Desert Hot Springs, CA 92240 | (310) 756-3619 | dan@bluefoxcapital.com