Fund your next income property based on cash flow, not tax returns.

What Is a DSCR Loan (Debt Service Coverage Ratio)?

A DSCR Loan uses the property’s cash flow to determine eligibility. Rather than reviewing tax returns or W-2s, lenders evaluate how well the rental income covers the property’s expenses—also known as the debt service coverage ratio.

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If the property pays for itself, you’re in a strong position to qualify.

Is a DSCR Loan Right for You?

This loan option is ideal for:

• Real Estate Investors seeking quick, no-hassle financing

• Self-Employed or 1099 Borrowers who prefer not to submit personal income docs

• Investors Expanding Portfolios without impacting DTI ratios

• Buy-and-Hold Landlords looking to finance cash-flowing properties

Advantages of DSCR Loans

• No Personal Income Verification – Approval is based solely on the rental income the property generates.

• Fast & Streamlined Process – Avoid complex underwriting tied to personal finances—focus on the deal.

• Flexible Terms for Investment Strategy – Choose loan terms and structures that match your investment goals.

• Competitive Rates for Qualified Properties – Maximize ROI with strong rate offerings on cash-flowing assets.

DSCR Loan Process at Fortress Mortgage Advisors

1. Strategy Call – Talk with an advisor about your investment goals and property

2. Cash Flow Analysis – Provide rental income docs and property financials

3. Appraisal & DSCR Calculation – Confirm property value and income-to-debt ratio

4. Underwriting Review – Our investor-savvy team handles the rest

5. Close with Confidence – Finalize your loan and take the next step in your investment journey

Why Work with Fortress Mortgage Advisors?

With decades of combined lending experience and a strong background in real estate investing, we understand how to align financing with your investment strategy. From multi-unit purchases to refinancing existing rentals, we’ll guide you every step of the way with clarity and professionalism.

View other Non-QM & Business Purpose Lending Option

• Alternative Documentation Loans

• Mixed-Use Investment Loans

• Non-QM Loans

• Commercial Purpose Loans