DSCR Loans 101: What Every Investor & Realtor Needs to Know

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What if the rental income from a property could help you qualify for the loan to buy it?
If you're investing in real estate, thinking about purchasing your first rental property, or working with clients who want to build a real estate portfolio, there's one financing option you need to know about: DSCR loans.
DSCR stands for Debt Service Coverage Ratio, and these loans are changing the way investors think about financing investment properties.
Unlike traditional mortgages that focus heavily on personal income, W-2s, and tax returns, DSCR loans focus primarily on the income potential of the investment property itself.
But how do they work? Who qualifies? And when does using a DSCR loan make sense?
Join us for DSCR Loans 101, a beginner-friendly introduction designed for real estate investors, Realtors, and anyone interested in building wealth through rental properties.
What You'll Learn

• What is a DSCR loan? Understanding the basics and how this type of financing works.
• How is DSCR calculated? The numbers investors and lenders look at when evaluating a rental property.
• Who qualifies for a DSCR loan? Credit scores, financial requirements, and what lenders want to see.
• How much money do you need? Down payments, closing costs, and cash reserve requirements.
• Do you need a job or traditional income verification? How DSCR financing differs from conventional mortgage qualification.
• What types of properties qualify? Single-family rentals, duplexes, multifamily properties, and other investment opportunities.
• Can first-time investors qualify? What you should know before purchasing your first rental property.
• What about short-term rentals and Airbnb properties? How lenders evaluate different rental strategies.
• Can you buy investment property through an LLC? How financing works when purchasing through a business entity.
• How do lenders determine rental income? Understanding rental estimates, leases, appraisals, and property cash flow.
• What if the rental income doesn't cover the mortgage payment? Exploring how different DSCR requirements affect financing options.
• What are the interest rates and loan terms? Comparing DSCR financing with conventional investment property loans.
• Can you refinance or pull equity out of an existing rental? Using DSCR loans for refinancing and portfolio growth.
• What are the hidden costs and potential pitfalls? Understanding fees, prepayment penalties, and other important considerations.
• How do you apply for a DSCR loan? What the process looks like from evaluating a property to closing.
• How can Realtors use this knowledge? Helping investor clients identify opportunities, understand financing options, and make informed decisions.

Who Should Attend?
Whether you're buying your first rental, adding to an existing portfolio, or helping clients invest in real estate, this session is for you!
Perfect for:

• New and aspiring real estate investors
• Experienced investors looking for additional financing strategies
• Realtors working with investor clients
• Wholesalers and real estate deal finders
• Anyone curious about building wealth through rental properties

No prior investing or mortgage knowledge required!
Bring your questions, connect with other real estate professionals, and discover another financing strategy that could open doors to your next investment opportunity.
Your next investment deal might be closer than you think. You just need to understand the financing options available!