San Antonio's DSCR
Loan Specialist
Qualify on the property, not your paycheck. DSCR loans use the rental income a property generates to qualify the loan — no tax returns, no W-2s, LLC ownership welcome.
Financing Built Around the Property, Not Your Paycheck
DSCR loans were designed for real estate investors and self-employed buyers whose personal income picture doesn't reflect their real purchasing power.
The property's projected or in-place rental income qualifies the loan — not your personal income or tax returns.
No personal income documentation required, and no debt-to-income calculation against your personal finances.
Close in the name of an LLC or other business entity — ideal for investors building a portfolio.
Most DSCR programs require 20–25% down, depending on the property and your DSCR ratio.
Lenders typically require 3–6 months of reserves on hand, verified by bank statements.
Unlike many conventional investment programs, there's typically no limit on the number of financed properties.
DSCR Loan vs Conventional Investment Loan
The difference comes down to what qualifies the loan — the property, or you personally.
| Item | DSCR Loan | Conventional Investment |
|---|---|---|
| Qualifying Income | Property rental income (DSCR ratio) | Borrower personal income / DTI |
| Tax Returns / W-2s | Not required | Required |
| Entity Ownership | LLC / Corp allowed | Individual borrower typically required |
| Down Payment | 20–25% typical | 15–25% |
| Financed Property Limit | Typically unlimited | Usually capped (around 10) |
| Documentation Speed | Often faster | Slower — full income underwriting |
* Example figures. Actual rates, payments, and terms vary by lender, property, and DSCR ratio.
Who Qualifies for a DSCR Loan?
DSCR eligibility is based on the property's numbers, not a personal income file. The following groups are generally well suited to DSCR financing.
Get My DSCR Loan Guide
Everything a real estate investor needs to know before buying rental property in San Antonio — DSCR basics, entity ownership, down payment and reserve expectations.
- ✓How the DSCR ratio is calculated
- ✓LLC and entity ownership requirements
- ✓Down payment and reserve expectations
- ✓What documents you'll need to get pre-qualified
How the DSCR Loan Process Works
From application to keys — a clear, 6-step walkthrough.
Get Pre-Qualified
Share the property (or target property type) and its expected rent. I'll walk through DSCR program options and typical terms upfront.
Run the DSCR Ratio
We calculate the property's rental income against its estimated monthly payment to confirm which programs it qualifies for.
Find or Confirm the Property
Shop with confidence knowing which price range and rent levels keep your DSCR ratio strong.
Appraisal & Rent Schedule
An appraiser confirms the property's value and provides a market rent schedule used to finalize your DSCR ratio.
Underwriting
Your file is reviewed against DSCR guidelines — entity documents (if applicable), reserves, credit, and the property's numbers.
Close & Start Collecting Rent
Close in your name or your LLC, get your keys, and place your tenant. Typical timeline from offer to closing: 30–45 days.
Common DSCR Loan Questions
DSCR stands for Debt Service Coverage Ratio. It's a loan program designed for rental property investors that qualifies the loan based on the property's rental income relative to its mortgage payment — rather than your personal income, employment, or tax returns.
DSCR is calculated by dividing the property's gross rental income (actual or projected via an appraiser's rent schedule) by its total monthly debt obligation (principal, interest, taxes, insurance, and any HOA dues). A ratio of 1.0 means the rent exactly covers the payment; most lenders prefer 1.0–1.25 or higher, though some programs allow lower ratios with a larger down payment.
No. DSCR loans don't require personal income documentation, W-2s, pay stubs, or tax returns. This makes them especially useful for self-employed investors and business owners whose tax returns understate their actual purchasing power.
Yes. DSCR loans are commonly closed in the name of an LLC or other business entity, which is one of the main reasons investors use them — it keeps the property separate from personal liability and supports a scalable portfolio strategy.
Most DSCR programs require 20–25% down depending on the property type, your DSCR ratio, and credit profile, along with 3–6 months of reserves in the bank to cover the mortgage payment. Stronger DSCR ratios and credit can sometimes reduce these requirements.
DSCR loans are built for real estate investors purchasing rental property — whether it's your first rental or the tenth property in a growing portfolio — and for self-employed buyers whose personal tax returns don't reflect their real income.
Ready to Grow Your Rental Portfolio?
A 10-minute call is all it takes to run your numbers and confirm which DSCR program fits. No obligation, no pressure.