DSCR loans are built for real estate investors. They don’t look at your personal income. They don’t ask for your tax returns. They qualify the property — not you — based on rental income relative to the mortgage loan payment.
That single difference makes DSCR loans one of the most powerful financing tools available to investors who have complex income, multiple properties, or significant business deductions that reduce their taxable income.
This guide covers every DSCR loan requirement in 2026: minimum DSCR ratio, credit score, down payment, LTV, property types, reserve requirements, and documentation. It also covers what happens when your DSCR falls below 1.0 — and what you can do about it.
What Is a DSCR Mortgage Loan? A Guide to DSCR Loans for Investors
A DSCR mortgage loan is a non-QM (non-qualified mortgage) product that qualifies investors based on a property’s cash flow rather than the borrower’s personal income.
DSCR stands for Debt Service Coverage Ratio. It’s the ratio of a property’s monthly rental income to its monthly mortgage payment (PITI — principal, interest, taxes, and insurance). Lenders use this ratio to determine if the investment property generates enough income to cover its own debt.
This is the core appeal for real estate investment for investor . You don’t need W-2 income. You don’t need to show personal income that meets a specific threshold. The property does the qualifying work.
DSCR Loans vs. Conventional Mortgage Loans
Conventional mortgage loans require full income documentation — tax returns, W-2s, pay stubs, and a debt-to-income ratio calculation based on your personal income.
For many investors, this creates a problem. Business deductions reduce taxable income. Multiple properties create complex income profiles. A high-earning investor who runs everything through an LLC may show very little personal income on paper.
DSCR loans eliminate that problem. The mortgage loan underwriting process focuses on the property’s rental income and the resulting DSCR ratio. Personal income stays out of the equation.
Debt Service Coverage Ratio: How to Calculate Your DSCR
Understanding how to calculate DSCR is the first step in knowing what your investment properties qualify for.
The DSCR calculation formula:
DSCR = Monthly Gross Rental Income / Monthly PITI
Monthly PITI includes: principal, interest, property taxes, home insurance, and HOA dues if applicable.
Example: Your rental property earns $2,500 per month in gross rent. Your monthly PITI is $2,000. Calculate your DSCR: $2,500 / $2,000 = 1.25. This property has a DSCR of 1.25.
An alternative way some DSCR lenders calculate DSCR uses annual figures:
DSCR = Annual Net Operating Income / Annual Debt Service
The monthly rental income method is more common in residential DSCR lending. The annual NOI method appears more often in commercial DSCR lending.
How to Calculate DSCR: Reference Table
Here’s what different DSCR values mean in practice and how they affect your loan options:
| DSCR | Monthly Rent | Monthly PITI | What It Means |
| 0.90 | $1,800 | $2,000 | Property loses $200/mo — some lenders still allow with 25–30% down |
| 1.0 | $2,000 | $2,000 | Break-even — rental income exactly covers mortgage payment |
| 1.10 | $2,200 | $2,000 | Positive cash flow — standard lender minimum |
| 1.25 | $2,500 | $2,000 | Strong cash flow — preferred by most DSCR lenders |
| 1.50+ | $3,000 | $2,000 | Excellent — unlocks best rates and largest loan amounts |
Where the Rental Income Figure Comes From
For a property with an existing tenant: the lender uses the current lease agreement. Gross monthly rent from the lease is the income figure.
For a vacant property: the lender orders an appraisal with a market rent opinion. The appraiser assesses what the property would rent for at market rates. That figure is used to calculate DSCR.
For short-term rentals (Airbnb, VRBO): income documentation varies by lender. Some use a market rent opinion. Others require 12–24 months of STR platform income history.
What Are the Requirements for a DSCR Loan? DSCR Loan Eligibility and Requirements for DSCR Loans
Here is every DSCR loan requirement in one place. Details on each follow in the sections below.
DSCR Eligibility: Who Can Apply for a DSCR Loan
DSCR eligibility is open to any real estate investor purchasing or refinancing a non-owner-occupied investment property. You do not need to be a full-time investor. You do not need a business entity, though many investors choose to close in an LLC for liability protection. Individual borrowers, LLCs, partnerships, and corporations can all achieve loan eligibility under a DSCR program — the property and its income are what qualify the deal.
| Requirement | Standard Minimum | Notes |
| Minimum DSCR ratio | 1.0 | Some lenders accept 0.75–0.99 with larger down payment |
| Credit score | 620–640 | 680+ unlocks best rates and higher LTV |
| Down payment | 20% | 25–30% for below-1.0 DSCR or higher-risk property |
| LTV | Up to 80% | 70–75% LTV for short-term rentals and condos |
| Loan amount | $100K–$5M+ | Varies by lender; jumbo DSCR available |
| Cash reserves | 3–6 months PITI | Up to 12 months for larger portfolios |
| Property types | SFR, 2–4 units, 5+ units, STR | Must be non-owner-occupied investment property |
| Income docs | Lease or appraisal rent schedule | No personal income or tax returns required |
These requirements represent typical DSCR loan standards. Requirements for DSCR loans vary between lenders. Some lenders specialize in portfolio DSCR programs with more flexibility. Others have stricter credit overlays.
Working with a DSCR lender who understands investor needs makes a significant difference in what terms you can access.
Minimum DSCR Ratio: What DSCR Lenders Require in 2026
Most DSCR lenders require a minimum DSCR of 1.0. Some require 1.10 or 1.25. The minimum DSCR ratio you need depends on the lender, the property type, and your credit profile.
A DSCR of 1.0 means the property’s rental income exactly covers the monthly mortgage payment. Most lenders treat this as the floor — it shows the investment property at least breaks even on cash flow.
A higher DSCR tells lenders the property has more cushion. A property with a DSCR of 1.25 generates 25% more rental income than its mortgage payment. That buffer reduces lender risk, and lenders reward it with better rates and higher LTV.
Require a minimum DSCR of 1.25 is common among more conservative DSCR programs. If your target property hits 1.25 or above, you’ll have the widest selection of loan products and the most competitive pricing.
DSCR Below 1.0: Can Investors Still Qualify?
Yes — some DSCR lenders allow a DSCR below 1.0. This is sometimes called a “no-ratio” DSCR loan.
A property with a DSCR below 1.0 doesn’t generate enough rent to cover its own mortgage. The investor is expected to subsidize the shortfall from other income or reserves. Lenders compensate for this risk by requiring:
- Larger down payment (25–30% instead of 20%)
- Higher credit score (680+ rather than 620)
- More cash reserves (6–12 months PITI)
- Lower LTV (65–70% in some cases)
A DSCR of 0.75 is often the practical floor. Below that, most DSCR programs won’t move forward regardless of compensating factors.
When does a sub-1.0 DSCR make sense? In high-appreciation markets where cash-flow-negative properties still build equity. In markets where rents are rising and the property will achieve 1.0+ within 12–24 months.
DSCR Loan Credit Score Requirements: Minimum Credit to Qualify
Most DSCR loan programs set a minimum credit score of 620. The minimum credit floor of 620 is standard — but credit score matters well beyond the minimum.
Here’s how credit score affects your DSCR loan:
- 620–639: Qualifies for most programs. Expect higher rates and stricter LTV limits.
- 640–659: Broader program access. Some lenders drop their rate premiums at this range.
- 660–679: Good access. Most standard DSCR programs available.
- 680+: Best pricing. Higher LTV options. More flexibility on DSCR minimums.
- 720+: Premium tier. Access to the lowest DSCR loan rates and highest loan amounts.
Minimum credit requirements vary by lender and loan program. Some DSCR lenders specialize in lower credit profiles and may accept 580 with sufficient compensating factors. Higher credit opens more doors and really improves your interest rate.
Check your credit report before applying. Late payments, collections, and high utilization on revolving accounts are the most common issues dragging scores below 660. Addressing these before applying — even by 60–90 days — can move your rate tier significantly.
DSCR Loan Down Payment and LTV Requirements
DSCR loans eleigibility require a 20% down payment as the standard minimum. Most DSCR lenders set an 80% LTV cap on standard programs.
The loan down payment requirement is higher than primary residence loans for a reason: investment properties carry more default risk than owner-occupied homes. A larger down payment reduces the lender’s exposure.
LTV by Property Type and DSCR
- Single-family rental (SFR) with DSCR 1.0+: Up to 80% LTV
- 2–4 unit property with DSCR 1.0+: 75–80% LTV
- Short-term rental (STR): 70–75% LTV in most programs
- DSCR below 1.0: 70–75% LTV — larger down payment required
- Condos: 70–75% LTV — condo approval requirements apply
Some DSCR lenders allow up to 85% LTV for borrowers with 720+ credit scores, DSCR of 1.25+, and 6 months of reserves. This is less common but available through select programs.
A larger down payment does more than satisfy the LTV requirement. It improves your DSCR. A 25% or 30% down payment lowers the loan amount — which lowers the monthly PITI — which raises the DSCR. If you’re on the edge of qualifying, putting more down can push your ratio above the minimum DSCR threshold.
Reserve Requirements for DSCR Loan Approval
Reserve requirements are one of the most overlooked DSCR loan requirements. Reserves are liquid assets you keep after closing — money that proves you can cover the mortgage payment if the property sits vacant.
Standard reserve requirements for DSCR loans:
- Single property: 3–6 months of PITI in liquid reserves post-closing
- Multiple investment properties: 2–6 months per property, depending on lender and portfolio size
- DSCR below 1.0: 6–12 months PITI reserves
- Short-term rentals: Often 6 months minimum, given income volatility
Eligible reserve sources: checking and savings accounts, money market funds, retirement accounts (typically at 60–70% of vested value), stocks and bonds, and proceeds from the sale of another asset.
Reserves are verified at application and again before closing. Don’t use reserve funds for the down payment and then have nothing left — underwriters check both.
Property Type Requirements: What DSCR Loans Allow
DSCR loans allow a wide range of investment property types. This is one of the most flexible aspects of the loan program.
Eligible property types:
- Single-family rentals (SFR) — the most common DSCR loan property type
- 2–4 unit residential properties (duplex, triplex, fourplex)
- 5+ unit multifamily — available through some DSCR lenders with commercial-style underwriting
- Condominiums — must be warrantable or through a portfolio lender
- Short-term rentals (STR) — properties operating on Airbnb, VRBO, or similar platforms
- Vacation rentals — similar documentation requirements to STR
All DSCR properties must be non-owner-occupied investment properties. You cannot use a DSCR loan for a primary residence or second home. The property must generate or be capable of generating rental income.
Short-Term Rental Properties and DSCR Loans
Short-term rental financing is one area where DSCR programs differ significantly from conventional loans. Most conventional loan programs do not recognize STR income for qualifying. DSCR loans do — with the right documentation.
How STR income is calculated in DSCR:
- Market rent opinion from an appraiser (most conservative, often used for new STRs)
- 12-month average income from the STR platform (AirDNA data or platform statements)
- 75–80% of the trailing 12-month gross STR income to account for vacancy
STR properties typically carry slightly more LTV restriction — 70–75% in most programs. Some lenders apply a minimum STR occupancy requirement (typically 50–65% annual occupancy rate to use STR income).
If you’re financing a short-term rental property, work with a DSCR lender who specifically handles STR loans. The income documentation and ratio calculation are different enough from standard long-term rentals that general-purpose mortgage lenders often get it wrong.
DSCR Loan Documentation Requirements
One of the biggest advantages of DSCR loans: minimal personal income documentation. Here’s exactly what lenders require.
What DSCR Lenders Do Require
- Signed lease agreement (or appraiser’s market rent opinion for vacant properties)
- Appraisal with rent schedule (Form 1007 or 1025 for multifamily)
- Property insurance documentation
- Title commitment and title insurance
- Credit report (tri-merge, pulled by the lender)
- Entity documentation if purchasing through an LLC, partnership, or corporation
- Bank statements showing reserves (typically 2–3 months)
- Property tax records
What DSCR Loans Don’t Require
DSCR loans don’t require personal income documentation. This is the defining difference from conventional loans.
- No W-2s
- No tax returns for income qualification
- No pay stubs
- No employer verification
- No personal debt-to-income ratio calculation
Some lenders may still pull a soft personal income verification to check for major red flags. But the qualification decision rests on the property income, not your personal earnings.
DSCR loan documentation requirements vary slightly by lender and property type. A loan officer who specializes in DSCR financing will walk you through the exact package your specific deal requires.
DSCR Loan Rates: DSCR Loan Interest Rates vs Conventional in 2026
DSCR loan interest rates run higher than conventional investment property loan rates. That’s the trade-off for the income flexibility.
In 2026, DSCR loan rates depend on:
- Your credit score — the single biggest rate driver
- DSCR ratio — higher DSCR means lower rate
- LTV — lower LTV means lower rate
- Loan amount — larger loans may qualify for jumbo DSCR pricing
- Property type — STR and 5+ unit properties carry rate premiums over SFR
- Loan structure — interest-only options carry higher rates than fully amortizing loans
Higher interest rates on DSCR loans reflect the non-QM nature of the product and the investor risk profile. Lenders price this risk into the rate spread.
The gap between DSCR loan rates and conventional investment property rates has varied with the broader rate environment. In higher-rate environments, that spread can compress slightly as lender competition increases for investor business.
No one can guarantee a specific rate. The best way to understand current DSCR loan rates is to speak with a DSCR lender directly and get a real quote based on your specific deal.
DSCR Loan Terms, Structure, and Loan Products
DSCR loans for real estate come in several structures. The right loan structure depends on your investment strategy and hold period.
- 30-year fixed: Most common. Predictable payment. Best for long-term holds.
- 40-year fixed (with or without I/O period): Lower payment. Some programs offer a 10-year interest-only period, then fully amortizing.
- 5/1, 7/1, 10/1 ARM: Fixed rate for the initial period, then adjustable. Lower initial rate. Best for investors planning to sell or refinance within the fixed period.
- Interest-only loan: Payment covers only interest for a set period. Improves monthly cash flow. Higher rate than fully amortizing. Use with a clear exit strategy.
- 30-year fixed with interest-only: Some DSCR loan products offer a 10-year I/O period on a 30-year term. The payment during I/O is lower, improving actual monthly cash flow.
Prepayment penalties are common on DSCR loans. Many programs include a step-down prepayment penalty — for example, 5/4/3/2/1 (5% in year 1, 4% in year 2, and so on). Understand the prepayment structure before committing, especially if you plan to refinance or sell within 3–5 years.
How to Improve Your DSCR Before Applying
If your target property’s DSCR is too low to qualify, there are concrete steps to improve it before or during the loan process.
Increase the Income Side
- Raise the rent — if you’re below market rate, request an updated lease at market rent before applying; the appraiser will use market rent if it’s higher than the current lease
- Add units — accessory dwelling units (ADUs) can add rental income that counts in DSCR
- Switch from long-term to short-term rental if the market supports higher STR income
Decrease the Debt Service Side
- Put more money down — a larger down payment lowers the loan amount and monthly PITI, directly raising DSCR
- Shop for a lower rate — even a 0.5% rate difference affects DSCR; a stronger credit profile improves the rate you’re offered
- Choose interest-only — the I/O payment is lower than a fully amortizing payment; this raises DSCR for the I/O period
A property with a DSCR of 0.95 may achieve 1.10 with an additional 5% down payment and an interest-only structure. Run the numbers on multiple loan structure scenarios before concluding a property doesn’t qualify.
DSCR Loan Programs for Real Estate Investment in 2026
Several DSCR loan programs for real estate target different investor profiles. Understanding the options helps you find the one that fits your deal.
Standard DSCR Programs
These cover the majority of SFR and 2–4 unit investment properties with DSCR 1.0 or above. Available through most DSCR-focused non-QM lenders. Loan amounts typically $100K–$3M.
Portfolio DSCR Programs
Designed for real estate investors with multiple DSCR loans. Some lenders offer blanket or portfolio loans that cover multiple real estate investment properties under a single loan structure. Useful for investors scaling past 5–10 properties.
Jumbo DSCR Programs
For loan amounts above $2–3M. Available through select DSCR lenders. Typically requires stronger DSCR (1.25+), higher credit score (680+), and larger reserves.
STR-Specific DSCR Programs
Programs built specifically for short-term rental financing. Use STR income history rather than market rent. Some programs use AirDNA data. Available through specialized DSCR lenders.
No-Ratio DSCR Programs
For properties with DSCR below 1.0. Requires larger down payment, higher credit, and more reserves. Loan amounts typically capped lower than standard programs.
The right DSCR mortgage loan program for your investment depends on property type, loan amount, DSCR, and your credit profile. A loan officer with DSCR experience can match your deal to the right product quickly.
See our full list of DSCR loan programs at Champions Mortgage to review current program availability.
Is a DSCR Loan Right for Your Investment Properties?
DSCR loans are ideal for real estate investors in specific situations. They’re not the right tool for every deal.
DSCR Loans Are the Right Fit When:
- You have complex or reduced taxable income due to business deductions
- You have already maxed out the 10-loan conventional investment property limit (Fannie Mae caps conventional loans for investors at 10 financed properties)
- You own properties through an LLC and prefer to keep personal income out of the underwriting
- You’re scaling quickly and need a faster, simpler qualification process
- The property has a clear DSCR of 1.0 or above based on current or market rent
DSCR Loans Are Not the Right Fit When:
- The property doesn’t generate rental income (owner-occupied, second home, or vacant land)
- The DSCR is significantly below 1.0 with no path to improvement
- Your credit score is below 620 and reserves are limited
- A conventional investment property loan fits your profile — conventional typically prices better for strong-credit borrowers within Fannie/Freddie guidelines
If you’re comparing DSCR to a conventional investment property loan, the breakeven point on rate is usually credit-score dependent. Strong-credit investors with W-2 income within Fannie Mae guidelines often get better rates on conventional. Investors with self-employment income, complex ownership structures, or >10 properties should look at DSCR first.
Common DSCR Loan Mistakes Real Estate Investors Make
- Forgetting HOA dues in PITI — DSCR calculation includes HOA. Forgetting this overstates your DSCR and leads to surprise denials when the actual figure is calculated.
- Using net rent instead of gross rent — DSCR uses gross monthly rent, not net. Don’t subtract management fees, maintenance, or vacancy before calculating.
- Underestimating reserves — investors budget for the down payment and closing costs but arrive at closing with insufficient liquid reserves. Underwriters verify reserves after closing funds.
- Not accounting for property taxes at the purchase price — refinancing into a DSCR loan at a lower purchase price basis underestimates property taxes. Get the actual tax figure for the new assessed value.
- Choosing the wrong loan product — a 30-year fixed is not always the right structure. Investors with 3–5 year hold periods often do better with a 5/1 or 7/1 ARM that comes with a lower initial rate and higher DSCR.
- Applying with the wrong lender — DSCR is a non-QM product. Not every mortgage lender offers it. Applying with a conventional-focused lender for a DSCR loan wastes time and may result in a denial that a DSCR-focused lender would have approved.
- Ignoring the prepayment penalty — the prepayment structure on DSCR loans is a significant cost if you sell or refinance early. Factor the prepay cost into your hold-period financial model.
How to Qualify for a DSCR Loan: Step-by-Step Loan Process
Here’s the exact path to qualify for DSCR loans as a real estate investor.
Step 1: Run Your DSCR
Calculate DSCR before you contact a lender. Pull the current lease or find market rent comps. Estimate the PITI on the loan amount you plan to borrow. Divide income by PITI. If you’re at 1.0 or above, you have a fundable deal for most programs.
Step 2: Check Your Credit Score
Pull your credit report. Know your score before any lender does. Target 660+ for standard programs. If you’re at 620–639, you qualify but will pay more. Address any recent collections or derogatory marks before applying.
Step 3: Verify Your Reserves
Count your liquid assets. Subtract the down payment and estimated closing costs. What’s left needs to be 3–6 months of the new PITI. If reserves are short, either lower the loan amount, add a co-borrower with reserves, or delay until you’ve saved more.
Step 4: Choose Your Loan Program
Match your deal to the right DSCR program. Standard SFR with 1.0+ DSCR = standard program. Short-term rental = STR DSCR program. DSCR below 1.0 = no-ratio program. Loan approval depends on matching the deal to the right product from the start.
Step 5: Work With a DSCR-Focused Loan Officer
Find a loan officer who specializes in DSCR financing. The loan process moves faster and more accurately when your lender understands non-QM underwriting. Bring the lease, rent schedule, and your reserve documentation to the first conversation.
Champions Mortgage originates DSCR loans in Texas, Florida, Georgia, and North Carolina. See full program details on our DSCR loan programs page.
Getting a DSCR Home Loan as an Investor in Texas , FL, GA, and NC: DSCR Finance Options
DSCR loans are especially active in the markets Champions Mortgage serves. Here’s the landscape by state.
DSCR Loan in Texas
Texas is one of the strongest DSCR markets in the country. Houston, Dallas, Austin, and San Antonio all have dense rental markets with strong renter demand. Cap rates in Texas markets remain favorable for residential rental investment.
Texas dscr loan requirements for investment follow standard program guidelines. Texas does not impose state-level restrictions that affect DSCR underwriting. DSCR loans here close on the same timeline as other non-QM products — typically 21–30 days.
Houston and Dallas purchase volumes for investment properties rank among the highest in the country. If you’re investing in either market, pre-qualification through a DSCR lender before you make offers is worth the few minutes it takes.
Houston investors: see our Greater Houston purchase loans page. Dallas investors: see our Dallas home loans page.
Florida
Florida’s short-term rental market — Orlando, Miami, Tampa, Jacksonville — makes it one of the most active DSCR states. STR DSCR programs are in high demand here, especially for properties in tourist and beach markets.
Georgia and North Carolina
Atlanta and Charlotte are strong long-term rental markets with active DSCR lending. Both cities have growing rental renter populations and consistent market rent growth. Standard SFR DSCR programs apply in both markets without state-level complications.
DSCR Loan Pros: Why Real Estate Investors Choose This Mortgage
DSCR loans offer a set of structural advantages that no conventional mortgage product matches for active investors.
- No personal income requirement — the property qualifies, not you
- No tax return income verification — investors with high deductions keep their tax strategy intact
- Close in an LLC — DSCR loans allow entity-vesting, which matters for liability protection and portfolio structuring
- Scale without a ceiling — no 10-loan Fannie Mae cap; DSCR lenders can fund unlimited properties
- Faster process — without full income underwriting, the loan process moves quicker for straightforward deals
- Broad property type coverage — SFR through 5+ units and STR, all under one loan structure
- Interest-only options — for investors who prioritize monthly cash flow over equity paydown
Making DSCR work well means pairing the right property — good rental market, DSCR at or above 1.0, strong cap rate — with a lender who understands the product. When those elements align, DSCR financing is one of the most efficient tools in a real estate investment portfolio.
DSCR Loan Requirements FAQ
What are the requirements for a DSCR loan?
dscr loan requirements for investment include: minimum DSCR ratio of 1.0 (some lenders accept below), credit score of 620+, 20% down payment, 75–80% LTV, 3–6 months cash reserves, signed lease or market rent appraisal, and the property must be a non-owner-occupied investment property. No personal income or tax returns are required.
What is the minimum credit score for a DSCR loan?
Most DSCR loan programs require a minimum credit score of 620. Some lenders accept 580 with strong compensating factors. A 680+ credit score unlocks the best rates and highest LTV options.
What is the minimum DSCR loan down payment?
The standard down payment for a DSCR loan is 20% (80% LTV). Properties with DSCR below 1.0 typically require 25–30% down. Short-term rentals and condos often require 25% down.
Can you get a DSCR loan with a DSCR below 1.0?
Yes — some DSCR lenders offer no-ratio or below-1.0 programs. These require a larger down payment (25–30%), higher credit score (680+), and more cash reserves (6–12 months PITI). Lenders set their own minimum floor, often 0.75.
What are the DSCR loan requirements in Texas in 2026?
Texas loan requirements for investment properties match standard program guidelines: 1.0 minimum DSCR, 620+ credit score, 20% down, and 3–6 months reserves. Texas does not have state-level restrictions that change DSCR underwriting. Champions Mortgage originates DSCR loans throughout Texas. NMLS #1706471.
Do DSCR loans require tax returns?
No. DSCR loans don’t require personal income documentation or tax returns for income qualification. The property’s rental income is the qualifying metric. This is the core appeal for self-employed investors and those with complex income.
What property types qualify for DSCR loans?
DSCR loans allow single-family rentals, 2–4 unit properties, 5+ unit multifamily (through select programs), condos, short-term rentals, and vacation rentals. All properties must be non-owner-occupied investment properties generating or capable of generating rental income.
Can I take out multiple DSCR loans?
Yes. Multiple DSCR loans are available. DSCR lenders do not apply the 10-loan cap that Fannie Mae and Freddie Mac apply to conventional investment property loans. Investors can finance large portfolios through DSCR programs. Reserve requirements typically increase as the portfolio grows.
Ready to Finance Your Next Investment Property With a DSCR Loan?
If your investment property generates rental income, a DSCR loan gives you a fast, documentation-light path to financing — without touching your personal income.
Champions Mortgage originates DSCR loans in Texas, Florida, Georgia, and North Carolina. We work with investors on single properties, STR portfolios, and multi-unit acquisitions. Bring us the lease, the purchase price, and your estimated PITI. We’ll run the DSCR and tell you exactly where you stand in one conversation. Or review conventional investment property alternatives: Conventional Loans in Houston