A DSCR (Debt Service Coverage Ratio) loan is a type of investment property loan where qualification is based on the property's rental income rather than your personal W-2 income or tax returns.

What DSCR ratio is required?

Most lenders require a DSCR ratio of 1.0 or higher, meaning the monthly rental income covers 100% of the monthly mortgage payment.

Can I use a DSCR loan for Airbnbs?

Yes, many DSCR lenders, including Kiavi, allow you to use projected short-term rental income (like Airbnb or VRBO) to qualify, making it an excellent tool for STR investors.

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DSCR Loans: Scale Your Rental Portfolio

Stop letting personal DTI limits slow down your growth. We've partnered with Kiavi to bring you DSCR (Debt Service Coverage Ratio) loans that let you qualify based on the property's cash flow, not your personal income. Perfect for long-term rentals, BRRRR exits, and Airbnbs.

Special Offer: Apply through our partner link and receive $350 cashback on your first approved loan!

Max LTV

Up to 80%

Terms

30-Year Fixed

Income Docs

Not Required

Why Investors Choose Kiavi DSCR Loans

No personal income verification (no W-2s or tax returns needed)

Qualify based on the property's rental income (DSCR >= 1.0)

Perfect for BRRRR method refinance exits

Options for long-term rentals and short-term rentals (Airbnb)

Scale infinitely — no limit on the number of properties you can finance

Get $350 cashback on your first approved loan

Frequently Asked Questions

Ready to Grow Your Portfolio?

Get pre-qualified in minutes and start scaling without DTI limits. Don't forget, you get $350 cashback on your first funded loan.

DSCR Loans: Scale Your Rental Portfolio

Why Investors Choose Kiavi DSCR Loans

Frequently Asked Questions

How is the DSCR ratio calculated?

Do I need a W-2 to qualify?

How does the $350 cashback work?

Ready to Grow Your Portfolio?