EP. 3 - The DSCR Loan: The Ultimate Mortgage for Real Estate Investors

If you are building a real estate portfolio, the biggest challenge is often the same. Your personal income has nothing to do with how your investment properties perform. Traditional lenders still want tax returns, pay stubs, and personal debt to income ratios, even when the property can easily pay for itself.

This episode breaks down the DSCR Loan, also known as the Debt Service Coverage Ratio Loan, the most popular Non QM mortgage for real estate investors. Instead of looking at your personal income, lenders qualify you based solely on rental income and property cash flow.

You will learn how DSCR is calculated, how rental income can cover the entire mortgage payment, why no tax returns or personal income documentation are required, and how investors use this program to scale faster with less friction.

We cover loan programs for, long term rental, short term rental qualification, cash out refinances, and how DSCR loans help investors buy more doors without their personal DTI getting in the way. If traditional lenders say you do not qualify, this episode shows why the property itself may qualify you.

In This Episode:

• What DSCR, Debt Service Coverage Ratio, means and how it is calculated
 • Why no tax returns, W2s, or personal income verification are required
 • How rental income determines your loan approval
 • DSCR requirements for long term rentals and short term rentals such as Airbnb or VRBO
 • Interest only mortgage options for investors
 • Using DSCR for purchase, rate term refinance, or cash out
 • How investors scale faster by removing personal DTI from the equation

Tools and Resources

Visit seimortgage.com for DSCR calculators, loan guides, and investor resources.
Or calculate your property to see if it works for a DSCR loan:
https://seimortgage.com/dscr-calculator/

DISCLAIMER - Ryan Marks is a Licensed Mortgage Loan Originator (NMLS #519138) operating under The Turkey Foundation, Inc. (NMLS #236669), an Equal Housing Lender. Ryan conducts mortgage origination under his DBA, The Everyday Lending Group. SEI Mortgage is an educational brand only. It is not a mortgage lender, does not issue pre-approvals or loan estimates, and does not extend credit in any form. All information provided in this podcast is for educational and informational purposes only. Nothing in this episode should be interpreted as: Legal advice Financial advice Tax advice Real estate advice A commitment to lend An offer, quote, or guarantee of loan terms Loan guidelines, program availability, rates, underwriting rules, and qualification methods - especially for Non-QM mortgage programs - can change at any time and may vary by lender, investor, market conditions, and state regulations. Examples given are hypothetical and may not reflect actual terms available to any borrower. Listeners should independently verify all calculations, assumptions, and program details with qualified professionals. Always consult with a licensed mortgage lender, real estate agent, CPA, financial advisor, or attorney before making decisions related to home financing, investing, or credit. This podcast is not affiliated with, endorsed by, or acting on behalf of Fannie Mae, Freddie Mac, FHA, VA, HUD, or any government agency. No government agency has reviewed or approved the content of this recording. The Turkey Foundation, Inc. 1805 E Garry Ave, Santa Ana, CA 92705 Equal Housing Lender