Qualify for investment property financing on rental cash flow—not personal income. DSCR loans for Indiana real estate investors with The 2 Mortgage Guys.
DSCR Loans for Indiana Investors | The 2 Mortgage Guys
Qualify for investment property financing on rental cash flow—not personal income. DSCR loans for Indiana real estate investors with The 2 Mortgage Guys.
DSCR Loans
What Is a DSCR Loan?
How DSCR Financing Works
Who DSCR Loans Are For
Key Benefits for Investors
Qualify on property income
Eligibility & Qualifying Criteria
Typical Use Cases
Application Process
Frequently Asked Questions
Ready to Fund Your Next Rental?
Qualify on rental property cash flow — not personal income docs. Built for Indiana investors buying, refinancing, and scaling rental portfolios.
Sample ratio
1.18 x
Monthly rent $2,450 ÷ PITIA $2,075
No tax returns
Property income focus
Entity close
LLC when eligible
DSCR stands for Debt Service Coverage Ratio — a simple measure of whether a rental property earns enough to cover its mortgage payment.
Lenders divide the property's gross monthly rent by the total monthly housing cost (principal, interest, taxes, insurance, and HOA when applicable). When that ratio meets program minimums, the deal can qualify even if your personal tax returns don't tell the full story.
Guidelines vary by investor, property type, and loan amount. This overview is educational — your file gets reviewed against current product rules.
The formula
DSCR =
Gross Monthly Rent
Total Monthly PITIA
A 1.0 ratio means rent equals the payment. Many programs target 1.0 or higher; some allow lower with compensating factors.
From property cash flow to keys in hand — the underwriting path investors follow.
Real estate investors — not primary-home buyers looking for owner-occupied agency financing.
Not the right fit if…
Underwriting weighs whether the asset pays for itself. That opens doors for investors whose personal returns don't reflect actual cash flow.
Typical target: 1.0+ DSCR
Typical investor guidelines — your scenario may differ. We confirm exact numbers before you write an offer.
All loans subject to credit and property approval. Program guidelines vary by investor and change without notice.
A straightforward path from first conversation to closing.