Investor / DSCR
Qualify on the property's rent, not your tax returns
DSCR stands for debt-service coverage ratio — the simple question of whether a property's rent covers its mortgage payment. DSCR loans qualify the deal, not your paycheck: no tax returns, no W-2s, no debt-to-income math. For Miami investors — especially self-employed ones whose returns are optimized for taxes — it's the tool that unlocks scale.
This tends to fit you if…
- You're buying or refinancing a rental property — long-term or short-term
- Your tax returns understate your real income (most good accountants make sure they do)
- You already own several financed properties and conventional lending has capped you out
- You're buying through an LLC and want the loan to match
Good to know
- Expect a larger down payment than an owner-occupied loan — the exact figure depends on the deal and the lender.
- Short-term-rental income (Airbnb-style) is usable with some lenders and not others; this is exactly the kind of matching I do.
- Ratios below 1.0 (rent doesn't fully cover the payment) can still close with some lenders at adjusted terms.
How it works with me
- 01
Run the ratio
Market rent versus proposed payment — I'll tell you quickly whether the deal clears typical DSCR thresholds.
- 02
Structure the entity
Personal name or LLC, short-term or long-term rental — each has lender implications I'll walk you through.
- 03
Close and repeat
DSCR lenders don't count doors the way conventional does. The playbook that closes property three works for property ten.
Quick answers
Do you verify my employment at all?
DSCR underwriting centers on the property's income, your credit, and your assets for the down payment and reserves — not your employment or personal income documentation.
Can I use projected Airbnb income?
Some lenders accept short-term-rental projections or trailing revenue; others only use long-term market rent. It changes the math significantly, so tell me your strategy up front and I'll match accordingly.
Next step
Not sure this is the one? That's my job, not yours.
Fifteen minutes on the phone and I'll tell you which program actually fits your file — and what it takes to qualify.
The next step
15 minutes with Ingrid beats a week of googling.
No obligation, no pressure. Tell her where you are — she'll tell you exactly what's possible and what happens next.