DSCR Mortgage Document Checklist (2025): Exactly What You Need

What Is a DSCR Mortgage Loan? A debt service coverage ratio (DSCR) loan evaluates whether a property’s rental income can cover its mortgage payments, rather than focusing on the borrower’s personal income. The ratio is determined by dividing the property’s monthly rental income by its monthly debt obligations (principal, interest, taxes, and insurance). Most lenders...

November 10, 2025

DSCR Refinance Calculator

DSCR Refinance Calculator What Is a DSCR Loan? A DSCR loan, or debt service coverage ratio loan, is a non-QM (...

October 2, 2025

DSCR Loan Examples & Use Cases

Who Are DSCR Loans for? Debt service coverage ratio (DSCR) loans are designed for both new and experienced rea...

September 30, 2025

How to Build a Real Estate Portfolio

From understanding the fundamentals of real estate investments to setting clear financial goals, each element ...

August 4, 2025

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Leveraging DSCR Loans for Airbnb and Other Short-Term Rentals

Short-term rental properties can help you build wealth over time, and thanks to the popularity of Airbnb, becoming a real estate investor is easier than ever before. A short-term rental with regular bookings can outperform long-term rental properties like apartments or single-family homes. Additionally, in many places you can expect your home to increase in value —...

October 22, 2024

San Diego Real Estate Investing

Real estate investing can be a profitable and reliable way to build wealth over time, and San Diego is no exce...

February 3, 2024

DSCR Loan vs Conventional Loan

If you are a new or seasoned real estate investor, it can be difficult to qualify for traditional forms of fi...

February 27, 2025

Do You Need Pay Stubs to Buy a House? How To Prove Your Income

Lenders ask for a variety of documentation to ensure you qualify for a home loan, including job history, tax r...

October 25, 2024

What Is a Good Debt Service Coverage Ratio?

Real estate investors seeking an investment property loan should consider their debt service coverage ratio (DSCR) to measure their cash flow and ability to pay debts. Lenders can use a borrower’s DSCR to determine their ability to repay the loan based on cash flow rather than income or job history.  DSCR loans allow borrowers to invest...

May 6, 2025

DSCR Loan Calculator

Investing in rental properties is a great way to grow your wealth. With over 49.5 million rental housing units...

October 19, 2025

DSCR Loans in New York

A debt service coverage ratio (DSCR) loan is a type of commercial loan that is typically used for investment p...

April 4, 2023

DSCR Formula and Calculation

“No tax returns needed! No income verification! Use your rental income to finance your investment proper...

February 2, 2024

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Build a Cash Flow Positive Real Estate Portfolio with One Simple Loan

Griffin Funding offers Investment Property Loans, or DSCR loans. A DSCR loan is a type of non-QM loan for new ...

May 19, 2024