DSCR Investors

Qualify using your property’s rental income - not your W-2/DTI.

Prospera Mortgage offers you loans through top wholesale lenders to match you with competitive pricing, faster turn times, and options that fit first-time and repeat buyers alike.

Why Choose DSCR?

Portfolio-friendly, cash-flow based underwriting

  • Qualify on cash flow: Uses market/lease rents to qualify instead of personal income (subject to program rules).

  • Investor-first: Designed for non-owner-occupied 1-4 unit properties, including many condos and townhomes.

  • Flexible purposes: Purchase, rate/term, and cash-out refinance options.

  • Scale efficiently: Structured for multi-property investors; program limits apply.

  • Short-term rental friendly: Options for Airbnb/VRBO-type properties where eligible.

Document Checklist

Be application-ready

  • Credit report & asset statements (reserves often required)

  • Lease/market rent support (e.g., appraisal with market rent schedule)

  • Entity docs if closing in an LLC (where allowed)

  • Insurance quotes and property-level details

Who’s a Great Fit?

DSCR makes sense when…

  1. You prefer underwriting focused on property cash flow.

  2. You’re acquiring or refinancing non-owner-occupied 1-4 unit properties.

  3. You operate short-term rentals or plan STR conversions (where eligible).

  4. You’re scaling and value repeatable, investor-centric guidelines.

DSCR Programs Available

Investor Flex - Purchase

Acquire investment properties using the subject property’s rental income to qualify. Great for scaling with predictable guidelines and competitive pricing.

  • Loans up to $2,000,000 (eligibility applies).

  • Long-term and many short-term rental scenarios supported.

Investor Flex - Rate/Term

Refinance existing investor loans and align terms with your current cash-flow strategy. We’ll map payment impact and breakeven.

  • Rental-income based qualification.

  • 1-4 units; condos/townhomes where eligible.

Investor Flex - Cash-Out

Unlock equity for renovations, new acquisitions, or reserves. We’ll compare LTV, pricing, and cash-on-cash outcomes.

  • Program LTV/credit rules apply.

  • Short-term rental cases reviewed where eligible.

DSCR Loan FAQs

  • Debt Service Coverage Ratio compares rental income to the total monthly payment on the property. Many programs look for a ratio at or above 1.0, but requirements vary by product and profile.

  • Yes, many DSCR programs allow short-term rentals (Airbnb,VRBO-style) with appropriate documentation and market rent support.

  • Investor Flex options include loan amounts up to $2,000,000 for qualified purchase and refinance scenarios, subject to LTV, credit and appraisal requirements.

  • Yes. DSCR programs are designed for investors and can support financing across multiple properties within program caps and credit guidelines.

Prospera Mortgage LLC is an independent mortgage broker. Programs, rates, terms and eligibility are subject to change without notice and may vary based on borrower profile, property type, occupancy, and market conditions. Not a commitment to lend. All loans are subject to underwriting approval. Equal Housing Opportunity.