DSCR Loan Explained for 2026

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Want to buy investment real estate but don't have the tax returns, W-2s, or pay stubs banks ask for? Duane Buziak — your local Henrico, VA mortgage broker — breaks down exactly how DSCR loans work, so you can qualify off the property's cash flow instead of your personal income.

Whether you're a first-time investor or already own multiple rental properties, this is the loan that could open doors traditional lending has closed.

✅ No personal income or employment verification required
✅ DSCR ratio as low as 0.75–0.80 in some cases
✅ Loan amounts up to $2 million
✅ Available for purchases, rate-and-term refinances, and cash-out refinances
✅ As little as 15% down on a purchase
✅ Credit scores down to 640
✅ No limit on the number of properties you can own
✅ Non-warrantable condos allowed
✅ Short-term rentals qualify too
✅ Hold title personally, or in an LLC, S-corp, or C-corp

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