DSCR loans for rental investors

DSCR loans that qualify on the rent, with the math shown

TL;DR

We arrange DSCR loans: business-purpose mortgages on rental property that qualify on whether the rent covers the payment, not your tax returns. Send me the deal, I run the ratio, then shop it with wholesale lenders. Broker, not lender.

No personal income documents on most DSCR programs
Close in your name or your LLC
Purchase, cash-out and rate-term refinance, 1 to 10 units, short-term rentals
Investment property only, never a home you will live in

Run your rental numbers

Two minutes. No credit pull. No SSN.

Why investors call me

Straight answers about whether the rent covers the loan

Most DSCR questions come down to one number. My job is to get that number right, explain it in plain English, and find the wholesale lenders whose guidelines fit your file.

I show the math first

Before anyone pulls credit, you see the rent, the full payment and the ratio on paper. If the deal does not cover, you hear it from me before you spend money on it.

I shop, I do not lend

Loan Daddy LLC is a mortgage broker. I take one file to several wholesale lenders, because each one draws its DSCR lines in a different place.

I only do investor loans

Business-purpose DSCR financing for non-owner-occupied rentals is all I arrange here. No detours into products built for homeowners.

How it works

From napkin math to closing, in four steps

Send the scenario
Property state, what you want to do, the rent and a rough loan amount. That is enough to start.
I run the ratio
Rent divided by PITIA, at a conservative rent. You get the number and what it means.
I shop wholesale lenders
The same file goes to the lenders whose DSCR rules fit it, and I bring back real options.
You choose, we close
You pick the option. A Loan Daddy team handles the file through underwriting, appraisal and closing.

See exactly how I work a DSCR file

What I arrange

DSCR loans for every common investor move

Start with how DSCR loans work, or jump to the one that matches your deal.

Purchase

Buy a rental

Qualify on the rent the property will earn. I run the ratio before you write the offer.

Cash-out

Pull equity out

Turn rental equity into the next down payment, sized to what the rent can carry.

STR

Airbnb and vacation rentals

Booking history, market studies or long-term rent: I match the lender to the method.

2-10 units

Duplex to ten units

Every unit rent counts. I shop residential and small-balance commercial programs.

The angle

One broker, one product, and the arithmetic out loud

DSCR Desk is deliberately narrow. I do not try to be everything to everyone. I work on rental property loans that qualify on rent, and I explain every file with the same four inputs: rent, principal and interest, taxes, insurance and dues.

That focus means I know which wholesale lenders handle short-term rentals, which ones close in an LLC without fuss, and which ones will look at a ratio under 1.00. Read more about me or try the DSCR calculator yourself.

Fresh from the guides

DSCR vs hard money · STR vs LTR DSCR

Quick answers

What investors ask before they call

What DSCR do I need?

There is no universal minimum. Many wholesale lenders are comfortable at 1.00 or higher, options usually improve around 1.20 to 1.25, and some programs consider ratios below 1.00 with stronger credit or reserves.

Can I get a DSCR loan in an LLC?

Yes. Many DSCR lenders allow closing in an LLC. Expect to provide the articles, operating agreement and EIN letter, and to sign a personal guarantee in most cases.

Can I use short-term rental income for a DSCR loan?

Often, yes. Some lenders count twelve months of booking history or a short-term rental market report, usually with a haircut. Others only use long-term rent.

Can I live in a property financed with a DSCR loan?

No. DSCR loans arranged through this site are business-purpose loans for non-owner-occupied investment property only, not for personal, family or household use.

Read the full DSCR FAQ or the investor FAQ about working with me.

Want me to run your numbers?

Send me the property, the rent and what you are trying to do. I will run the coverage math, tell you where it stands, and shop it with wholesale lenders if it makes sense.

Send me your scenario Try the calculator

Program Structure Comparison & Investor Brief

Reviewed by Loan Daddy LLC editorial team · Business-purpose investment property brokerage (NMLS #2827624).

Side-by-side structural guidelines across DSCR rental loans, private-money bridge financing, and conventional investment mortgages.
Guideline Dimension	DSCR Rental Loan (Business-Purpose)	Private Money / Bridge (Business-Purpose)	Conventional Investment Mortgage
Primary Qualification	Property rental cash flow (Gross Rent ÷ PITIA)	Purchase basis, rehab budget (LTC), ARV, and exit plan	Personal debt-to-income ratio (DTI) and verified employment
Tax Returns / W-2 Required	Not required on standard DSCR shelves	Not required on asset-based bridge shelves	2 years of personal & business tax returns and W-2s
Entity / LLC Vesting	Supported (LLC, LP, Corporation, or Individual)	Supported (standard for business-purpose bridge)	Generally restricted to individual borrower vesting
Property Occupancy	Strictly non-owner-occupied investment property	Strictly non-owner-occupied investment property	Investment property (subject to financed-property count caps)
Loan Daddy LLC Role	Wholesale mortgage broker comparing multiple DSCR shelves	Wholesale mortgage broker comparing private & bridge capital	Scenario comparison benchmark