Qualify on the property, not your tax returns.
The rental income covers the payment, so the loan qualifies on the property's cash flow instead of your personal income documents.
DSCR is the property's rent divided by its full payment including taxes, insurance and any HOA. At 1.0 the property covers itself exactly. Most lenders want at or above 1.0, and better ratios earn better pricing. Your W-2s, tax returns and personal debt ratio don't enter into it.
A good accountant minimises your taxable income. That's the right outcome at tax time and the wrong one at a bank, where the same return makes you look like you barely earn. DSCR sidesteps the contradiction entirely.
Rates run higher than owner-occupied conventional and down payments are larger. In exchange you get speed, no income documentation, and no cap on how many properties you hold — which is what actually constrains people scaling a portfolio.
Fifteen minutes and you'll know — including if the answer is a different program entirely.
No. That's the entire point. Qualification is based on the property's rental income against its payment, not your personal income documents.
Usually yes — most lenders will use market rent from the appraiser's rent schedule, which matters for a vacant property or a short-term rental.
Not the way conventional financing caps you. DSCR lenders generally don't apply the same limits, which is why investors move to it once they've scaled.
Fifteen minutes on the phone will tell you more than an hour of reading. No pressure, no obligation.