DSCR Loans for Commercial Real Estate Investors
DSCR loans qualify borrowers based on property cash flow rather than personal income, making them ideal for real estate investors who own multiple properties, operate through LLCs, or whose tax returns do not reflect their true investment income. Commercial Lending Solutions sources DSCR financing from a national network of non-QM lenders, debt funds, and private capital sources for multifamily, mixed-use, and commercial investor portfolios.
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DSCR Loans for Real Estate Investors
Debt Service Coverage Ratio (DSCR) lending evaluates a property on one simple question: does the gross rental income cover the debt service? If the property cash flows, the loan qualifies. This structure eliminates the need for tax returns, W-2s, pay stubs, or traditional income documentation, making DSCR a powerful tool for high-net-worth investors, self-employed borrowers, and portfolio landlords scaling their holdings. Typical DSCR thresholds range from 1.10 to 1.25, meaning the property generates 10 to 25 percent more income than the loan payment. Lenders include dedicated non-QM platforms, balance-sheet debt funds, and select private lenders with appetite for investor residential and small commercial assets.
Lender Sources
- Non-QM Lenders
- Debt Funds
- Private Lenders
- Balance-Sheet Portfolio Lenders
- Family Offices
Ideal For
- Small multifamily investor portfolios (5 to 20 units)
- Mixed-use buildings with residential and commercial tenants
- Investors with complex tax returns or multiple LLCs
- Self-employed borrowers with significant write-offs
- Portfolio landlords consolidating scattered properties
- 1031 exchange acquisitions needing fast income qualification
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Related Property Types
DSCR Loans are available for all major commercial property types. Explore financing by property category.
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