A DSCR loan qualifies Indiana investors on rental cash flow—not personal income. Learn purchase, refinance, and how it differs from traditional qualifying.
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DSCR Loans
What Is a DSCR Loan?
An investor mortgage that qualifies on rental cash flow — not your personal income docs. Built for Indiana landlords buying, refinancing, and scaling without maxing personal DTI.
Instead of proving personal income with W-2s, pay stubs, and tax returns, DSCR underwriting asks a simpler question: does this rental earn enough to cover its housing payment?
Lenders compare gross monthly rent to total PITIA — principal, interest, taxes, insurance, and HOA when applicable. When that ratio meets program minimums, the property can carry the loan even if your personal returns look thin on paper.
That makes DSCR a practical path for buy-and-hold investors, LLC purchasers, and self-employed borrowers scaling across Indianapolis, Fort Wayne, Lafayette, and smaller Indiana markets.
Guidelines vary by investor, property type, and loan amount. This overview is educational — your file is reviewed against current product rules.
DSCR is not just for first-time rental acquisitions — investors use it across the portfolio lifecycle.
See how property-focused underwriting differs from agency and conventional investment loans.
Related DSCR guides and investor resources from Ryan & Steve.
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Talk with Ryan & Steve about DSCR financing for Indiana investment properties — or run your ratio in the calculator first.