For real estate investors focused on cash-flowing properties, DSCR Loans offer unmatched flexibility. With Robert Tyree at Clearview Mortgage, you can qualify based on the property’s rental income—not your personal tax returns.

What is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) Loan assesses a property’s ability to pay its own mortgage using rental income rather than personal income documentation.

Who Can Use This Program?

• Real estate investors

• Buyers of long-term or short-term rentals

• Borrowers with complex income profiles

• Investors purchasing multiple properties quickly

How DSCR Loans Work:

• Loan approval based on rental income vs mortgage payment

• No tax returns or W-2s required

• Fast and simplified underwriting

• Available for single-family, multi-family, and short-term rentals

• Ideal for building large portfolios

Qualification Requirements:

• DSCR ratio typically 1.0+ (or close to breakeven depending on lender)

• Strong credit score

• Minimum reserve requirements

• Property appraisal including rental analysis

• Investment-use property (not primary residence)