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  <div style="font-size:13px;letter-spacing:0.6px;text-transform:uppercase;color:#2b6be7;font-weight:600;margin-bottom:12px;">
    DSCR Loan FAQs
  </div>
  <h2 style="font-size:40px;line-height:1.15;font-weight:500;margin:0;">
    Common DSCR Loan Questions, Answered
  </h2>
</div>


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  <div style="margin-bottom:14px;">
    <span style="font-size:11px;font-weight:700;letter-spacing:0.07em;text-transform:uppercase;color:#2b6be7;">AI Powered</span>
    <h3 style="font-size:18px;font-weight:600;margin:4px 0 4px;color:#0b1320;">Instant DSCR Loan Answers</h3>
    <p style="font-size:13px;color:#6b7280;margin:0;">Ask any DSCR loan question — get a real answer in seconds.</p>
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      Request a Term Sheet →
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      AI-generated responses. Loan terms subject to credit review and approval. Not a commitment to lend.
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<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;" open>
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>What is a DSCR loan?</span>
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<p style="color:#6b7280;">
A DSCR loan (Debt Service Coverage Ratio loan) is a type of investment property loan that qualifies borrowers based on the property's rental income instead of personal income. Lenders evaluate whether the property generates enough cash flow to cover the mortgage, making it ideal for real estate investors scaling portfolios.
</p>
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</details>

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<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>How do you calculate DSCR for a rental property?</span>
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</summary>
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<p style="color:#6b7280;">
DSCR is calculated by dividing rental income by total monthly debt payments (including principal, interest, taxes, insurance, and HOA). 
</p>
<p style="color:#6b7280;margin-top:10px;">
For example, if a property rents for $2,000 and the mortgage is $1,600, the DSCR is 1.25. A DSCR above 1.0 means the property covers its debt.
</p>
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</details>

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<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>How do you qualify for a DSCR loan?</span>
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Qualification is based on rental income, DSCR ratio (typically 0.75+), credit score (usually 650+), and loan-to-value. Personal income is not required.
</p>
</div>
</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>What are DSCR loan rates in 2026?</span>
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<p style="color:#6b7280;">
DSCR loan rates in 2026 vary based on credit score, DSCR ratio, leverage, and property type. Stronger deals with higher DSCR and lower LTV typically receive better pricing. Rates change frequently, so requesting a term sheet provides the most accurate quote.
</p>
</div>
</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>How do DSCR lenders determine loan approval?</span>
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<div style="padding:0 20px 18px;">
<p style="color:#6b7280;">
Approval is based on property cash flow. Lenders compare rental income to total debt obligations using the DSCR ratio.
</p>
</div>
</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>How are DSCR loans different from bank mortgages?</span>
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</summary>
<div style="padding:0 20px 18px;">
<p style="color:#6b7280;">
DSCR loans focus on rental income instead of personal income, W-2s, or tax returns, making them more flexible for investors.
</p>
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<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>What are the requirements for a DSCR loan?</span>
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<div style="padding:0 20px 18px;">
<ul style="color:#6b7280;">
<li>Credit score: 650+</li>
<li>DSCR ratio: 0.75+</li>
<li>No personal income required</li>
<li>Down payment: 20–25%</li>
</ul>
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</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>Can projected rental income be used?</span>
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Yes. Market rent or rental projections can be used when leases are unavailable.
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<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>Can I use a DSCR loan for Airbnb or short-term rentals?</span>
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<div style="padding:0 20px 18px;">
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Yes, many lenders allow Airbnb and short-term rental income using projections or historical data.
</p>
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</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>Can DSCR loans be used for the BRRRR strategy?</span>
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</summary>
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<p style="color:#6b7280;">
Yes. Investors commonly refinance into DSCR loans after stabilizing properties to pull out equity.
</p>
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<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>What type of properties work best with DSCR financing?</span>
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<p style="color:#6b7280;">
Single-family homes, multifamily properties, condos, and rental investments in stable or STR-friendly markets.
</p>
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</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>Is there a limit to how many DSCR loans an investor can have?</span>
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</summary>
<div style="padding:0 20px 18px;">
<p style="color:#6b7280;">
Most DSCR lenders allow investors to scale without a strict property limit.
</p>
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</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>Are DSCR loans more flexible than banks?</span>
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</summary>
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<p style="color:#6b7280;">
Yes. DSCR loans require less documentation and are designed for investors rather than traditional borrowers.
</p>
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</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>What mistake do investors make most often?</span>
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</summary>
<div style="padding:0 20px 18px;">
<p style="color:#6b7280;">
Underestimating expenses like taxes, insurance, and vacancy when calculating DSCR.
</p>
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</details>

<details style="background:#fff;border:1px solid #e5e7eb;border-radius:16px;overflow:hidden;">
<summary style="padding:18px 20px;display:flex;justify-content:space-between;">
<span>How do I apply for a DSCR loan?</span>
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</summary>
<div style="padding:0 20px 18px;">
<p style="color:#6b7280;">
Submit a short application and receive loan options based on your deal.
</p>
</div>
</details>

</div>


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<p style="color:#4b5563;">Still have questions?</p>
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<a href="https://form.typeform.com/to/nEaX64M8" target="_blank">Speak to a Loan Expert</a>
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LGV Capital

LGV Capital is a trusted real estate financing partner, specializing in private loan solutions for real estate investors. Whether you're acquiring rental properties, flipping homes, expanding your portfolio, or financing new construction projects, we have the expertise to help you succeed.