DSCR — portfolio growth without personal income
Use the rental income, not your personal income — get it done, then onto the next one
Apply in 10 minutes
Fast, stress free closing
No W2s or pay stubs
Min 640 credit score
Scale without personal income limitsApply in 10 minutesFast, stress free closingNo W2s or pay stubsMin 640 credit scoreScale without personal income limits
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Beeline DSCR vs traditional investment property loans
| Feature | DSCR Loan | Traditional Investment Property Loan |
|---|---|---|
| What It Is | DSCR = Debt Service Coverage Ratio (property’s rental income/debt) | Relies on your personal income to support loan payments |
| Approval | Based on rental income (no paystubs, no W-2s, no tax returns) | Based on personal income and DTI |
| Paperwork | Less— no tax returns, no personal income verification | Extensive documentation required |
| Investor-friendliness | Designed for real estate investors, LLCs, and corporations | Often more restrictive — favors individuals over entities |
| Title vesting | Close in your LLC or your personal name | Typically you cannot close in an LLC |
| Property use | Long and short term rental OK | Typically long-term rental only |
| Borrowing limits | No limit to number of properties you can own | Personal income caps how much you can borrow |
What It Is
DSCR Loan
DSCR = Debt Service Coverage Ratio (property’s rental income/debt)
Conventional Investor Loan
Relies on your personal income to support loan payments
Approval
DSCR Loan
Based on rental income (no paystubs, no W-2s, no tax returns)
Conventional Investor Loan
Based on personal income and DTI
Paperwork
DSCR Loan
Less— no tax returns, no personal income verification
Conventional Investor Loan
Extensive documentation required
Investor-friendliness
DSCR Loan
Designed for real estate investors, LLCs, and corporations
Conventional Investor Loan
Often more restrictive — favors individuals over entities
Title vesting
DSCR Loan
Close in your LLC or your personal name
Conventional Investor Loan
Typically you cannot close in an LLC
Property use
DSCR Loan
Long and short term rental OK
Conventional Investor Loan
Typically long-term rental only
Borrowing limits
DSCR Loan
No limit to number of properties you can own
Conventional Investor Loan
Personal income caps how much you can borrow
Fancy a free refi?*
Close any loan with us and get the best of both worlds. A 10-minute application and speedy closing now — and the peace of mind knowing you’ve got a free refi* when rates drop in future.
*Terms and conditions here
There’s no limit to the number of properties you can own — your income won’t restrict you
- Minimum 20% down payment
- Credit score of 640 and up
- Long and short term ok
- 12 months’ rental or mortgage history
Commonly asked questions about our DSCR loans
What is a DSCR loan?
A DSCR loan lets you qualify based on the property’s rental income—not your personal income.
So you may qualify without tax returns, W-2s, or jumping through traditional income hoops.
What does DSCR stand for?
DSCR stands for Debt Service Coverage Ratio.
DSCR =
Rental income ÷ total loan payment/property taxes/home owner's insurance
For example:
If rent is $2,000 and the payment is $1,500 → DSCR = 1.33
The higher the ratio, the stronger the deal.
It’s the number that tells you:
Is this property making enough to cover its debt?
That’s the core metric Beeline uses to evaluate your deal.
Why are DSCR loans popular with investors?
DSCR loans are built for one thing: helping investors scale faster.
Instead of being limited by your personal income, you can qualify based on each property’s cash flow—so you’re not stuck waiting between deals.
With a DSCR loan, you can:
Scale your portfolio without hitting income caps
Buy multiple properties at once or back-to-back
Keep your personal finances separate from your investments
Focus on deals that make money—not paperwork that slows you down
And with Beeline, you get all of that without the usual friction:
No personal income verification
Apply in minutes, not hours
Close in as little as 14 days
No limit on the number of properties you can finance
How does a DSCR loan work?
When calculating your DSCR, we compare:
Rental income vs. total loan payment (principal, interest, taxes, insurance)
If the income covers the debt payment—or comes close—you may qualify.
No income verification. No unnecessary paperwork. Just a clean, deal-focused decision.
What are the requirements for a DSCR loan?
Minimum 20% down payment.
A 640 credit score will qualify you for most scenarios, but not all.
A property that generates (or can generate) rental income.
And importantly:
No personal income verification required.
What credit score is required for a DSCR loan?
Beeline requires a minimum 640 credit score.
Stronger credit can unlock better pricing—but approval is still driven by the strength of the property’s cash flow.
How long does it take to get a DSCR loan?
Speed is a big part of the advantage.
You can apply in about 10 minutes, and many investors close in as little as 14 days when everything lines up.
That’s the difference between winning and missing a deal.
What is the maximum LTV for a DSCR loan?
With a 20% minimum down payment, Beeline DSCR loans effectively go up to around 80% LTV.
The amount you can finance will depend on deal specifics and overall risk profile.
Do DSCR loans have prepayment penalties?
Some do.
Many DSCR loans include early prepayment penalties, which can help secure better pricing upfront.
Deciding whether to accept a prepayment penalty term is something for each property investor to decide based on their goals
How is DSCR calculated?
DSCR =
Rental income ÷ total loan payment/property taxes/home owner's insurance
For example:
If rent is $2,000 and the payment is $1,500 → DSCR = 1.33
Higher ratios typically lead to better loan terms
Can you use DSCR loans for short-term rentals (Airbnb)?
Yes.
Beeline allows both long-term and short-term rentals, as long as the income supports the loan.
Can you refinance a DSCR loan?
Yes—DSCR loans can be used for both purchases and refinances, including pulling cash out to fund your next deal.
It’s a common way investors recycle capital and keep growing.