DSCR
Finance Investment Property Based on the Income It Earns
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on your property’s rental income — not your personal tax returns or W-2s. Built for real estate investors who want a faster, simpler path to growing their portfolio.
Whether you’re buying your first rental or scaling to your tenth, this loan lets the property speak for itself.
Is a DSCR Loan a Good Fit?
This loan is built for investors whose rental income is strong but whose personal income picture — self-employment, multiple LLCs, depreciation write-offs — makes traditional financing complicated.
If your rentals cash-flow and you want to keep growing, a DSCR loan removes the roadblocks.
This loan may be right for you if you:
How a DSCR Loan Works
Instead of verifying your personal income, we analyze the property’s ability to cover its own debt. A DSCR above 1.0 means the rent exceeds the mortgage — and that’s the core of the approval.
You receive a fixed or adjustable loan tied to the property, not your paycheck. No tax returns. No employer verification. No income-to-debt headaches.
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We Build the Right Structure
Key Features of a DSCR Loan
No Personal Income Required
Property-Based Approval
Investor-Friendly Structure
Ready to See If Your Property Qualifies?
Mission Loans helps homeowners access equity responsibly — without unnecessary complexity.