Qualify based on the property's rental cash flow — not your personal income. Built for real-estate investors building rental portfolios.
What it is
DSCR stands for Debt Service Coverage Ratio — the ratio of a property's monthly rental income to its monthly mortgage payment. DSCR loans qualify the property based on whether it pays for itself, instead of qualifying you based on your personal W-2 or tax-return income.
That makes them perfect for real-estate investors building portfolios — whether you have one rental or fifty. No tax returns, no W-2s, no income or employment verification on most programs. Andrew Kashella works with DSCR specialists across Florida and helps investors structure loans for short-term rentals, long-term rentals, and small multifamily.
Who it's for
A few signs this program might be a strong fit. Even if you don't see yourself in this list, reach out — Andrew works with over 100 lenders and there's likely an option that fits.
Key Features
The property's rent covers the loan payment — DSCR of 1.0+ typically required.
No tax returns, W-2s, or pay stubs required on most programs.
Hold property in an LLC for liability and tax purposes.
Many DSCR programs have no cap on number of financed properties.
Typical down payment 20–25%; can go higher for stronger pricing.
Rates priced for the investor market — cheaper than hard money, simpler than conventional.
Frequently Asked
1.0 means rent equals the mortgage payment exactly. Most programs accept 1.0+; some allow 0.75 (rent covers 75% of payment) with stronger credit and reserves.
By appraiser-verified market rent (Form 1007) for unleased properties, or actual lease income for occupied units.
Yes — some programs allow short-term rental income calculated from STR projections or AirDNA data. Florida is a major STR market and several DSCR lenders specialize in it.
Typically 660+ for best terms; some programs accept 620 with larger down payment.
Andrew Kashella is here to help you compare options, understand the numbers, and figure out if this program is the right fit for your situation.
Andrew Kashella — NMLS #139171 | Innovative Mortgage Services, Inc. — NMLS #250769
Loan programs are subject to borrower qualification, credit approval, and property eligibility. Not all applicants will qualify. Additional terms and conditions may apply. Interest rates and loan programs are subject to change without notice. This is not a commitment to lend or extend credit.