DSCR Loans DSCR loans are mortgage loans designed for real estate investors where the lender focuses more on the rental property’s cash flow than the borrower’s personal income. DSCR stands for Debt Service Coverage Ratio, which compares the property’s rental income to the monthly housing payment.
The simple answer:
A DSCR loan may help real estate investors qualify for financing based on a rental property’s income potential instead of traditional personal income documents like W-2s, pay stubs, or tax returns.
Loan Factory describes a DSCR loan as a non-QM mortgage for real estate investors where lenders evaluate whether rental income from the property can reasonably cover the mortgage payment. Loan Factory’s DSCR page explains the basic DSCR comparison as monthly rental income divided by the total monthly housing payment.
Important note: This article is for informational purposes only and is not a commitment to lend. DSCR loan approval, rental income treatment, debt service coverage ratio calculation, rates, APR, fees, payment estimates, reserves, down payment, loan-to-value, cash to close, prepayment penalty, property eligibility, and closing timelines depend on borrower qualifications, investor guidelines, lender requirements, property cash flow, appraisal or rent schedule, title, insurance, and underwriting. DSCR loans are generally intended for investment properties, not owner-occupied primary residences.
Key Takeaways DSCR loans are commonly used by real estate investors to finance rental properties. DSCR stands for Debt Service Coverage Ratio. A debt service coverage ratio loan usually focuses on whether the property’s rental income can cover the monthly housing payment. A common DSCR concept is rental income divided by debt service or monthly housing payment. Loan Factory explains DSCR as monthly rental income divided by total monthly housing payment. DSCR loans are often categorized as non-QM or investor-focused mortgage products. A DSCR mortgage may not require traditional personal income documentation, but lenders still review credit, assets, property type, appraisal, rental income, reserves, and loan structure. Many DSCR loans are structured as business-purpose investment property financing. Regulation Z exempts extensions of credit primarily for a business, commercial, or agricultural purpose, but classification depends on the specific transaction. DSCR loans are usually not designed for primary residences, second homes for personal use, or owner-occupied purchases. Loan Factory can help investors compare DSCR mortgage options from 240+ wholesale lenders. DSCR Loans Explained DSCR loans explained simply: a lender looks at the rental property and asks, “Can this property’s income support its mortgage payment?”
Instead of qualifying mainly with personal income, a DSCR lender may review:
Market rent Existing lease income Appraisal rent schedule Monthly principal and interest Property taxes Homeowners insurance HOA dues, if applicable Flood insurance, if applicable Property type Credit score Down payment Loan-to-value ratio Reserves Borrower experience, if required Investment purpose A DSCR loan does not mean there is no underwriting.
It means the underwriting focus is different.
The property’s cash flow becomes a major part of the loan decision.
What Is a DSCR Mortgage Loan? A DSCR mortgage loan is an investor mortgage where the property’s rental income is compared with the property’s monthly debt obligation.
In practical mortgage terms, a lender may calculate DSCR like this:
DSCR = Monthly rental income ÷ Monthly housing payment
The monthly housing payment may include:
Principal and interest Property taxes Homeowners insurance HOA dues, if applicable Flood insurance, if applicable Some lenders may calculate DSCR differently depending on the program, property type, documentation, and investor guidelines.
Simple DSCR Example Hypothetical example only: This example is for education only and is not a quote, approval, or commitment to lend. Actual DSCR calculation, rental income treatment, payment, reserves, rate, APR, loan terms, and approval depend on lender guidelines and underwriting.
Item
Example
Monthly rental income $3,000 Monthly housing payment $2,500 DSCR 1.20
In this example, the property produces 1.20 times the monthly housing payment.
A DSCR above 1.00 generally means the rental income is higher than the monthly debt obligation. A DSCR below 1.00 generally means the rental income is lower than the monthly debt obligation.
However, lender requirements vary.
Some programs may allow lower DSCRs with stronger compensating factors, while others may require stronger property cash flow.
What Is a Debt Service Coverage Ratio Loan? A debt service coverage ratio loan is another name for a DSCR loan.
This type of loan uses the rental property’s income to help evaluate whether the property can support the debt.
The phrase comes from a common finance concept: debt service coverage ratio.
In business and commercial real estate finance, DSCR is often used to evaluate whether income is enough to cover debt payments. A recent Wall Street Journal Buy Side explainer describes DSCR as debt-service coverage ratio and explains that it compares net operating income with total debt service, with results above 1 indicating income exceeds debt obligations.
For residential investment property DSCR mortgages, lenders often simplify the review around rental income and the monthly housing payment.
That is why DSCR home loans are popular with investors who want a property-based qualification method.
DSCR Mortgages vs Traditional Mortgages DSCR mortgages are different from traditional owner-occupied mortgages.
Feature
DSCR Mortgage
Traditional Mortgage
Common use Investment rental property Primary residence, second home, or investment property Main qualification focus Property rental income and DSCR Borrower income, DTI, assets, credit, and property Personal income documents May not be required in traditional form Usually required Tax returns May not be required for income qualification Often required in some borrower situations Occupancy Investment property Primary, second home, or investment, depending on loan type Loan category Often non-QM or investor-focused Conventional, FHA, VA, USDA, Jumbo, or other Best fit Real estate investors Homebuyers or borrowers using personal income
A DSCR mortgage is usually not the right product for a borrower buying a home to live in.
It is typically designed for real estate investors purchasing or refinancing rental properties.
Who DSCR Loans Are For DSCR loans may be worth reviewing for real estate investors who:
Own or want to buy rental property Want to qualify based on property cash flow Have complex personal income Are self-employed Have multiple rental properties Use business entities, if allowed Want to avoid traditional DTI-based income underwriting Need an investor-focused refinance option Want to finance short-term or long-term rental properties, if eligible Have strong credit and assets but complicated tax returns DSCR loans may be used by:
Buy-and-hold investors Real estate portfolio investors Short-term rental investors, if allowed Long-term rental investors Investors buying single-family rentals Investors refinancing rental property Investors using cash-out for eligible business or investment purposes A DSCR loan is not a shortcut around responsible lending.
The investor still needs to qualify under lender and investor guidelines.
Who DSCR Loans May Not Be For DSCR loans may not fit if:
You are buying a primary residence You are buying a personal vacation home The property does not generate enough rent You need the lowest possible consumer mortgage rate You have limited cash for down payment or reserves You cannot document rental income or market rent The property condition is not acceptable You do not understand prepayment penalty terms You need a government-backed loan such as FHA, VA, or USDA You want to qualify based mainly on W-2 income and DTI For owner-occupied buyers, a conventional, FHA, VA, USDA, Jumbo, or other consumer mortgage may be more appropriate.
For investors, DSCR can be powerful if the property cash flow and loan structure make sense.
How DSCR Is Calculated A common DSCR mortgage calculation is:
DSCR = Monthly rental income ÷ Monthly housing payment
For example:
Rental Income
Monthly Housing Payment
DSCR
$2,500 $2,500 1.00 $3,000 $2,500 1.20 $2,250 $2,500 0.90
What DSCR Numbers Usually Mean DSCR Result
General Meaning
Above 1.00 Rental income is higher than the monthly housing payment Equal to 1.00 Rental income approximately covers the monthly housing payment Below 1.00 Rental income is lower than the monthly housing payment
Different lenders may treat DSCR ranges differently.
Some lenders may allow lower DSCR ratios with stronger credit, larger down payment, or more reserves. Other lenders may require stronger DSCR ratios for certain property types, loan sizes, or rental strategies.
What Counts as Rental Income for a DSCR Loan? Rental income treatment varies by lender and program.
A lender may review:
Current lease agreement Market rent schedule Appraisal rent schedule Short-term rental income history Comparable rent data Property management statements Platform income reports, if allowed Operating history, if applicable For conventional rental income underwriting, Fannie Mae has detailed rental income documentation rules and notes that treatment of monthly qualifying rental income varies depending on whether the borrower occupies the rental property as a principal residence.
DSCR loans are not the same as standard Fannie Mae rental income underwriting, but this highlights a key point:
Rental income documentation matters.
The lender must understand what income can reasonably be used for the property.
What Payment Is Used in DSCR? The monthly payment used in DSCR may vary by lender.
A DSCR lender may include:
Principal and interest Property taxes Homeowners insurance HOA dues Flood insurance Other required property-related obligations Some lenders may call this PITIA:
Principal Interest Taxes Insurance Association dues Other lenders may use slightly different payment definitions.
Investors should ask:
What rent figure is being used? Is the lender using market rent or actual rent? Are taxes and insurance included? Are HOA dues included? Are flood insurance premiums included? Are short-term rental projections allowed? Is vacancy considered? Are management expenses considered? What minimum DSCR is required? The answer can affect approval and pricing.
DSCR Loan Requirements DSCR loan requirements vary by lender and investor guidelines.
Common requirements may include:
Requirement
What Lenders May Review
Property use Investment property, not primary residence DSCR ratio Rental income compared with monthly housing payment Credit score Borrower credit profile and credit history Down payment Larger investment property contribution may be required Loan-to-value Maximum LTV depends on program and borrower profile Reserves Cash reserves after closing may be required Property type Single-family, condo, townhouse, 2–4 unit, or other eligible property Appraisal Property value and rent schedule Title Clear title and ownership review Insurance Landlord policy, hazard insurance, flood insurance if required Entity vesting LLC or business entity may be allowed by some lenders Prepayment penalty May apply, depending on loan structure and state rules Experience Some lenders may consider investor experience
DSCR loans are flexible in some ways, but they can be strict in others.
The lender may not require traditional income documents, but the property, credit, equity, reserves, and rental analysis still matter.
DSCR Loan Property Types DSCR mortgages may be available for certain investment properties, depending on lender guidelines.
Possible eligible property types may include:
Single-family rental homes Townhomes Condos 2–4 unit properties Short-term rental properties, if allowed Long-term rental properties Some mixed-use or unique properties, if lender allows Property eligibility may be affected by:
Occupancy Condition Appraisal HOA or condo project review Rental demand Marketability Location Insurance Title Local short-term rental rules Short-term rental properties may require extra review because rental income can be seasonal, market-dependent, and affected by local regulations.
DSCR Loan for Short-Term Rentals Some investors use DSCR loans for short-term rentals, but lender rules vary.
A short-term rental DSCR loan may review:
Market rent Short-term rental income history Comparable rental data Platform statements, if allowed Appraisal rent schedule Property location Local short-term rental regulations Seasonality Occupancy trends Insurance coverage HOA restrictions Investors should not assume projected short-term rental income will automatically qualify.
Local rules can change, and rental demand can vary.
Before buying, investors should review:
City or county short-term rental rules HOA restrictions Licensing requirements Insurance needs Property management costs Vacancy assumptions Conservative cash flow scenarios A DSCR loan may help finance a short-term rental, but the property still needs a realistic income plan.
DSCR Loan for Long-Term Rentals Long-term rentals may be easier for some DSCR lenders to evaluate because income may be supported by a lease agreement or market rent schedule.
A lender may review:
Current lease Rent amount Lease term Security deposit Market rent Property taxes Insurance HOA dues Appraisal rent schedule Tenant occupancy status A long-term rental with stable rent and a clean lease may support DSCR analysis more clearly than a property with uncertain income.
However, investors should still review:
Vacancy risk Maintenance costs Property management fees Capital repairs Tax and insurance increases Rent control or local rules Tenant turnover DSCR is useful, but it does not replace full investment analysis.
DSCR Loan Purchase vs Refinance DSCR loans may be used for investment property purchases or refinances.
DSCR Purchase Loan A DSCR purchase loan may help an investor buy a rental property based on the property’s expected or documented rental income.
The lender may review:
Purchase price Appraised value Market rent Lease income, if rented Down payment DSCR ratio Credit Reserves Property condition DSCR Refinance Loan A DSCR refinance may help an investor refinance an existing rental property.
Common refinance goals may include:
Rate-and-term refinance Cash-out refinance for eligible investment purposes Replacing a hard money loan Refinancing from conventional to DSCR Restructuring investment property debt Removing personal income documentation challenges DSCR Cash-Out Refinance A DSCR cash-out refinance may allow an investor to access equity from a rental property, subject to lender guidelines.
The lender may review:
Property value Rental income Existing mortgage balance DSCR ratio Loan-to-value Credit profile Reserves Cash-out purpose Title and seasoning requirements Cash-out rules vary widely by lender.
DSCR Loan vs Conventional Investment Property Loan A DSCR loan and a conventional investment property loan are not the same.
Feature
DSCR Loan
Conventional Investment Property Loan
Qualification focus Property rental income and DSCR Borrower income, DTI, credit, assets, and rental income rules Personal tax returns May not be required for income qualification May be required depending on borrower profile DTI calculation May not be the main factor Important part of underwriting Loan category Often non-QM or investor-focused Conventional agency-style financing Best fit Investors with cash-flowing properties or complex income Investors with strong personal income documentation Rates and fees May be higher or structured differently Often more standardized Property use Investment Investment Prepayment penalty May apply, depending on loan and state Less common in standard consumer-style mortgages
Fannie Mae has detailed rental income rules for conventional loans, including how rental income is documented and used in the borrower’s total debt-to-income ratio.
A DSCR loan may be a better fit when the investor wants the property’s cash flow to be the center of the approval process.
A conventional investment property loan may be better when the borrower has strong personal income and wants standard conventional terms.
DSCR Loan vs Bank Statement Loan DSCR loans and bank statement loans are both often used by borrowers with non-traditional income, but they are different.
Feature
DSCR Loan
Bank Statement Loan
Common borrower Real estate investor Self-employed borrower Main income focus Property rental income Borrower bank deposits Property use Investment property Primary, second home, or investment, depending on program Personal income review Often not the main qualifier Main qualifier through bank statements Best fit Rental property financing Self-employed borrower income documentation
A bank statement loan may fit a self-employed borrower buying a primary residence.
A DSCR loan may fit an investor buying or refinancing a rental property.
DSCR Loan vs Hard Money Loan DSCR loans and hard money loans are also different.
Feature
DSCR Loan
Hard Money Loan
Common use Rental property purchase or refinance Fix-and-flip, short-term bridge, distressed property Loan term Often longer-term investor mortgage Often short-term Qualification Rental income and property value Asset value, exit strategy, investor experience Property condition Usually must meet lender standards May allow rougher property condition Rate/fees Vary by lender Often higher cost Exit strategy Hold as rental Sell, refinance, or complete rehab
A DSCR loan may be more appropriate for a stabilized rental property.
A hard money loan may be more appropriate for a property that needs major rehab or a short-term investment strategy.
→ Read more: No-Doc vs Bank Statement vs DSCR comparison
Benefits of DSCR Loans DSCR loans may offer several benefits for qualified real estate investors.
1. Property Cash Flow Focus The lender focuses on the rental property’s ability to cover the loan payment.
This can help investors with complicated personal income.
2. No Traditional Personal Income Documentation in Many Programs Some DSCR programs may not require W-2s, pay stubs, or personal tax returns for income qualification.
Lender requirements still apply.
3. Useful for Portfolio Investors Investors with multiple properties may find DSCR loans useful because the rental property is evaluated based on its own income potential.
4. Purchase and Refinance Options DSCR loans may be available for purchases, rate-and-term refinances, and cash-out refinances, depending on lender guidelines.
5. May Allow Entity Vesting Some lenders may allow loans to close in an LLC or other business entity, depending on program and state rules.
6. Can Support Long-Term Rental Strategy A DSCR loan can be useful for buy-and-hold investors who want rental cash flow to support financing.
Possible Drawbacks of DSCR Loans DSCR loans may not fit every investor.
Possible drawbacks include:
Rates may be higher than standard conventional owner-occupied loans Larger down payment may be required Reserves may be required Prepayment penalties may apply, depending on state and lender Loan fees may be higher than standard conventional loans Property must support rental income Lower DSCR may affect pricing or approval Short-term rental income may require extra documentation Not designed for primary residences Appraisal and rent schedule can affect approval Local rental rules can create risk Investor must still evaluate vacancy, maintenance, repairs, and cash flow A DSCR loan can help with qualification, but it does not guarantee investment profitability.
How to Get a DSCR Loan If you want to get a DSCR loan, start by reviewing the property’s cash flow before applying.
Step 1: Confirm Investment Property Use DSCR loans are generally intended for rental or investment properties.
Confirm the property will not be owner-occupied.
Step 2: Estimate Rental Income Review:
Current lease Market rent Comparable rentals Short-term rental projections, if applicable Appraisal rent schedule expectations Step 3: Estimate Monthly Housing Payment Include:
Principal and interest Property taxes Insurance HOA dues Flood insurance, if applicable Step 4: Calculate Estimated DSCR Use:
Monthly rental income ÷ Monthly housing payment
This gives a basic estimated DSCR.
The lender’s final DSCR may differ.
Step 5: Review Credit and Assets Even when personal income is not the main qualifier, lenders still commonly review:
Credit score Credit history Down payment funds Closing funds Reserves Entity documents, if applicable Step 6: Compare Loan Terms Compare:
Rate APR Points Lender fees Prepayment penalty Loan-to-value Reserve requirements DSCR requirement Fixed vs adjustable rate Interest-only option, if available Cash-out rules, if refinancing Step 7: Apply With a DSCR Loan Advisor A loan advisor can review the property, rent, credit, assets, and DSCR options.
Documents Needed for a DSCR Loan Documentation varies by lender, but common items may include:
1. Borrower and Entity Documents Government-issued ID Credit authorization Entity documents, if closing in LLC Operating agreement, if applicable EIN documentation, if applicable Personal guaranty documentation, if required 2. Property Documents Purchase contract, if buying Current mortgage statement, if refinancing Insurance quote or policy HOA information, if applicable Lease agreement, if rented Rent roll, if applicable Short-term rental income reports, if allowed Appraisal and rent schedule Title documents Property tax information 3. Asset Documents Bank statements Reserve documentation Down payment funds Closing cost funds Source of large deposits, if required 4. Loan-Specific Documents Business purpose affidavit, if applicable Occupancy certification Prepayment penalty disclosure, if applicable DSCR worksheet, if provided by lender Property management agreement, if applicable A DSCR loan may require fewer personal income documents, but it still requires strong property and asset documentation.
DSCR Loan Example Hypothetical example only: This example is for educational purposes only and is not a quote, approval, or commitment to lend. Actual DSCR loan approval, rates, APR, fees, payment, rental income, cash to close, reserves, prepayment penalty, and loan terms depend on lender guidelines, property details, appraisal, title, insurance, and underwriting.
An investor wants to buy a single-family rental property.
The property has:
Estimated monthly rent: $3,200 Estimated monthly PITIA: $2,800 Good rental demand Acceptable property condition Investor down payment funds Reserves after closing Estimated DSCR:
Item
Amount
Monthly rent $3,200 Monthly PITIA $2,800 Estimated DSCR 1.14
A lender may review whether the property’s rental income supports the loan, along with the investor’s credit, assets, appraisal, title, insurance, reserves, and loan-to-value.
Loan Factory Experience Note: In real DSCR loan reviews, the strongest files usually have realistic rent assumptions, enough reserves, clean property condition, clear investment purpose, and a loan structure that still works if taxes, insurance, vacancy, or repair costs increase.
DSCR Loan Checklist for Investors Use this checklist before applying.
Question
Why It Matters
Is the property an investment property? DSCR loans are generally not for owner-occupied homes What is the expected monthly rent? Drives the DSCR calculation What is the monthly PITIA? Determines debt service coverage Is the DSCR above the lender’s minimum? Affects eligibility and pricing Is the rent based on lease or market rent? Documentation method matters Are taxes and insurance realistic? Underestimated costs can hurt DSCR Are HOA dues included? HOA dues can reduce DSCR Is the property condition acceptable? Appraisal and underwriting matter Do I have enough down payment? DSCR loans may require more equity Do I have reserves? Investors may need cash after closing Is there a prepayment penalty? Affects refinance or sale strategy Are local rental rules favorable? Especially important for short-term rentals Did I compare DSCR with conventional options? Helps confirm the best structure
Common Mistakes to Avoid Mistake 1: Using Overly Optimistic Rent A lender may not use the investor’s best-case rent projection.
Use realistic rent assumptions.
Mistake 2: Forgetting Taxes and Insurance Property taxes and insurance can significantly affect DSCR.
Mistake 3: Ignoring HOA Dues HOA dues may reduce the property’s coverage ratio.
Mistake 4: Assuming DSCR Means No Credit Review DSCR loans may reduce personal income documentation, but lenders still review credit and assets.
Mistake 5: Assuming DSCR Loans Are for Primary Residences DSCR loans are generally for investment properties, not owner-occupied homes.
Mistake 6: Not Understanding Prepayment Penalties Some DSCR loans may include prepayment penalties.
Investors should review terms before closing.
Mistake 7: Ignoring Local Rental Rules Short-term rental restrictions, permit rules, HOA rules, or rent regulations can affect cash flow.
Mistake 8: Comparing Only Interest Rate Compare rate, APR, fees, points, prepayment penalty, DSCR requirement, reserves, and cash to close.
Mistake 9: Not Stress-Testing Cash Flow A property can qualify and still become difficult to manage if vacancy, repairs, taxes, or insurance rise.
DSCR Loans vs Personal Income Loans A DSCR loan looks mainly at property cash flow.
A personal income loan looks mainly at the borrower’s documented income and debt-to-income ratio.
Feature
DSCR Loan
Personal Income Mortgage
Main focus Rental income and property payment Borrower income and monthly debts Income documents Often reduced or not traditional Usually required DTI May not be central Usually important Best for Investors Homebuyers or borrowers qualifying personally Property use Investment Primary, second home, or investment
A DSCR loan may be a good tool for real estate investors, but it is not always cheaper or better.
Investors should compare loan structure, cash flow, and long-term strategy.
Are DSCR Loans Safe for Investors? A DSCR loan can be useful, but investors still carry real risk.
Risk factors may include:
Vacancy Lower-than-expected rent Tenant turnover Repairs Property taxes increasing Insurance premiums increasing HOA assessments Short-term rental restrictions Market rent declines Interest rate changes Prepayment penalties Cash flow shortfalls DSCR is a useful snapshot, but it is not a full investment analysis.
Investors should also review:
Net operating income Cap rate Cash-on-cash return Vacancy rate Maintenance reserve Long-term appreciation assumptions Exit strategy Refinance risk Local rental demand A DSCR loan can help finance the property, but the investor still needs a conservative business plan.
Why Choose Loan Factory for DSCR Loans Loan Factory helps real estate investors compare DSCR mortgage options from 240+ wholesale lenders using technology designed to make the loan process clearer, faster, and more transparent.
If you are researching DSCR loans, Loan Factory can help you review investment property options, DSCR calculation, rental income treatment, down payment, reserves, pricing, and cash-to-close scenarios.
What Loan Factory Offers DSCR Investors Access to 240+ wholesale lenders DSCR mortgage options for eligible investment properties Side-by-side loan comparisons for rate, APR, fees, payment, and cash to close Investor-focused loan advisor support Review of purchase, refinance, and cash-out DSCR scenarios TERA technology platform to support pricing, loan comparison, document flow, and loan review Options for long-term rental and short-term rental scenarios, depending on lender guidelines Support for investors with complex income or multiple properties Loan Factory does not guarantee DSCR loan approval, rental income acceptance, investment performance, or property cash flow.
But Loan Factory can help investors compare available DSCR loan options before buying or refinancing a rental property.
Ready to compare DSCR loan options for an investment property?
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Author Box Written by: Loan Factory Mortgage Education Team
Loan Factory is a technology-powered mortgage platform helping real estate investors compare mortgage options from 240+ wholesale lenders. Our mortgage education content is designed to help borrowers understand DSCR loans, debt service coverage ratio, investment property financing, rental income analysis, non-QM mortgages, refinance options, and the loan process before applying.
Compliance Disclaimer This content is for informational and educational purposes only and is not a commitment to lend, not investment advice, not tax advice, not legal advice, and not a guarantee of rental income, property performance, cash flow, or loan approval. DSCR loan eligibility, rates, APR, fees, payment estimates, rental income treatment, DSCR calculation, down payment, loan-to-value, reserves, cash to close, prepayment penalty, property eligibility, refinance options, and closing timelines depend on borrower qualifications, credit profile, assets, property details, rental income documentation, appraisal, title, insurance, lender guidelines, investor requirements, and underwriting. Not all applicants or properties will qualify. Terms may change without notice.
DSCR loans are generally intended for investment properties and are not intended for owner-occupied primary residences. Borrowers should review business-purpose loan disclosures, occupancy certifications, prepayment penalty terms, rental regulations, tax implications, and legal considerations with qualified professionals where appropriate.
Loan Factory is not affiliated with or acting on behalf of Fannie Mae, Freddie Mac, FHFA, CFPB, HUD, FHA, VA, USDA, or any government agency. DSCR, non-QM, conventional, jumbo, FHA, VA, USDA, and other loan programs are offered through participating lender partners, subject to eligibility and underwriting approval.
Equal Housing Opportunity.
FAQ: DSCR Loans 
