DSCR loans in 36 states.
Qualify on the property's rental income — not your tax returns. Close in an LLC. Built for real estate investors.
No tax returns
Qualify on rental income alone. No W-2s, no DTI, no income docs.
Close in an LLC
Hold title in your business entity to keep personal credit clean.
STR-friendly
Short-term rental income (Airbnb/VRBO) can be used to qualify.
DSCR loans available in 36 states
Tayton Capital originates DSCR investor loans across the following states. Don't see yours? Reach out — our lender network is constantly expanding.
* Tennessee available with restrictions. Contact us for details.
DSCR loan FAQs
What is a DSCR loan?+
A DSCR (Debt Service Coverage Ratio) loan is an investor-focused mortgage that qualifies you based on the property's rental income — not your personal W-2s, tax returns, or DTI. If the rent covers the mortgage payment, you can typically qualify.
What DSCR ratio do I need?+
Most lenders look for a DSCR of 1.0 or higher (rent equals or exceeds PITIA). Many programs go down to 0.75 with a small rate adjustment, and the best pricing usually starts at 1.20+.
How much down payment is required?+
Typically 20–25% down for a DSCR loan, though stronger DSCR ratios, credit scores, and reserves can sometimes unlock 15% down options.
Can I close in an LLC?+
Yes — DSCR loans are designed for investors and routinely close in the name of an LLC, partnership, or other business entity, which is one of their biggest advantages over conventional financing.
Do DSCR loans work for short-term rentals (Airbnb / VRBO)?+
Yes. Many DSCR lenders allow short-term rental income to qualify the property — usually documented with a market rent appraisal or a 12-month AirDNA / operating history. This is especially useful for STR-friendly markets.
What credit score do I need?+
Most programs start at 660–680 FICO, with the best pricing at 720+. Lower scores may be possible with larger down payments.
How many DSCR loans can I have?+
There is generally no limit on the number of DSCR loans an investor can hold, unlike conventional financing which caps you at 10 financed properties.
Get a DSCR loan quote
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