One loan product that has gained significant popularity is the Debt Service Coverage Ratio (DSCR) loan. At CBiz Capital, we help investors navigate the financing process by identifying lending solutions that fit their unique investment goals.

What Is a DSCR Loan?

A DSCR loan is designed primarily for real estate investors purchasing or refinancing income-producing properties. Unlike conventional loans that place heavy emphasis on a borrower's personal income, tax returns, or employment history, our program focuses on the property's ability to generate enough rental income to cover its mortgage payment — no personal income required.

Who Can Benefit from a DSCR Loan?

  • Real estate investors growing their rental portfolios
  • Individuals purchasing single-family rental properties
  • Investors financing multifamily properties
  • Short-term and long-term rental property owners
  • Investors purchasing through LLCs or business entities (subject to lender guidelines)

Whether you're acquiring your first investment property or expanding an established portfolio, our program may provide greater flexibility than traditional lending options — you can close in your personal name or company (LLC) name.

Key Advantages of DSCR Loans

Simplified Income Qualification: Our program places less emphasis on personal income verification and instead evaluates the property's rental income — particularly beneficial for self-employed borrowers and experienced investors.

Portfolio Growth: Because qualification is centered around property performance, many investors find DSCR loans to be an effective tool for expanding their investment portfolios.

Flexible Property Types: DSCR financing may be available for single-family homes, condominiums, townhomes, 2–4 unit residential properties, and certain multifamily investment properties.

Streamlined Process: With 30-year amortization available, many investors appreciate the efficiency and long-term stability of the DSCR lending process.

What Is the Debt Service Coverage Ratio?

The DSCR compares a property's expected rental income to its monthly debt obligations. In general, lenders prefer properties where rental income adequately covers the mortgage payment, though acceptable ratios vary depending on the loan program and overall borrower profile.

Why Work with CBiz Capital?
No two investors — or investment strategies — are alike. We work with a broad network of lending partners to help clients identify financing solutions that align with their goals.

Ready to explore DSCR financing? Contact CBiz Capital today to discuss your investment goals and learn how our team can help you identify the right financing solution for your next opportunity.

Talk to Our Team →