Post your DSCR request — qualify on the property's income, not yours
DSCR loans qualify off the property's rental income instead of your personal income or tax returns — the lender is checking whether the rent covers the debt (the debt-service coverage ratio itself), not pulling pay stubs. That makes it the standard tool for investors scaling a rental portfolio, refinancing to pull cash out for the next deal, or buying a property that wouldn't qualify under a conventional income-document review. Lenders evaluating a DSCR request typically care about the coverage ratio, the property's lease status, and your broader portfolio experience more than anything else.
Posting here works the same way regardless of whether this is a purchase, a rate/term refinance, or a cash-out refinance: describe the deal once — rents, property type, state, your experience — and every private lender on the platform can see it, not just whoever you'd normally think to call. Your identity and contact details stay sealed until one lender pays $50 to claim the request exclusively.
No DSCR requests are live right now. Be the first to post a DSCR request.
Post your DSCR requestWhat are DSCR loans?
A DSCR loan is a rental-property loan that's underwritten mainly on the property's own income. DSCR stands for debt service coverage ratio: the rent the property produces compared with its debt payments. Requirements vary by lender, but the focus is on the property rather than on your personal paycheck.
What investors use DSCR loans for
- Buying a rental property
- Refinancing a rental you already own
- Pulling cash out of a rental to fund your next purchase
- Growing a portfolio without leaning on personal income documents to qualify
What lenders typically look at
Every lender is different, but these are the things that commonly come up:
- The rent the property earns, or is expected to earn, compared with its payments
- Whether the property is leased or vacant
- The property type, condition and location
- Your credit profile
- Your down payment or equity in the property
- Your experience owning rentals
What to have ready before you post
- Current or expected monthly rent, and whether a lease is in place
- Purchase price or current value, and any existing loan
- Whether this is a purchase, a rate/term refinance, or a cash-out refinance
- Property type, state, and your credit score
Frequently asked questions
Do I need to show personal income or tax returns?
That's between you and the lender who claims your request — My Investor Loans doesn't collect or review that. DSCR lending generally qualifies off the property's rental income rather than personal income documentation, which is why investors use it.
Can I post a refinance, not just a purchase?
Yes. The form has a purpose field for purchase, rate/term refinance, or cash-out refinance — describe whichever applies.
Is my rental property's address shown publicly?
No. Only the deal terms (loan amount, state, property type, rough value) are public. The exact address is sealed along with your name, phone, and email.
How fast will a lender contact me?
That depends on the lender who claims your request — once they pay, they get your contact information immediately and reach out directly, on their own timeline.
Is there a cost to post?
No, posting is free. The $50 is paid by the lender who claims your request, not you.
What does DSCR mean?
DSCR stands for debt service coverage ratio. It compares the income a property produces with the payments on the loan. A ratio above 1.0 generally means the rent covers the payments, though each lender sets its own minimums.
Does the property have to be rented already?
Not necessarily. Some lenders will consider a property with a lease in place, and others will look at expected market rent for a vacant one. Say which applies to your property in the description.
Ready to put your deal in front of lenders?
Post your request once. Participating lenders can review it, and your contact information stays private until a lender claims it. Posting is free. See how it works.
Post your DSCR requestOther types of investment-property financing
- Fix & flip loans — if you'll renovate the property before you rent or sell it.
- Multifamily loans — for larger buildings of five or more units.
- Bridge loans — if you need to close before the rental is ready for long-term financing.
Are you a lender? Browse current requests or join the lender list.