Debt Service Coverage Ratio (DSCR) Loan
“Unlock investment with rental income-based financing”
Bypass Personal Income Verification with Ziffy’s DSCR Loan designed exclusively for investors. This investor-centric mortgage helps you expand your investment portfolio by qualifying based on the property’s rental income rather than your personal finances or debt-to-income ratio, helping investors who can’t qualify for traditional mortgages.
Program Features
Recently Funded
Full Doc Loan
$1,254,000
Pinecrest, FL
Purchase
DSCR Loan
$203,940
Magnolia, TX
Purchase
DSCR Loan
$325,500
Miami, FL
Refinance
DSCR
$75,040
Dayton, OH
Purchase
DSCR
$357,500
New York, NY
Purchase
DSCR
$214,500
Chicago, IL
Purchase
DSCR
$150,001
Niagara Falls, NY
Refinance
Get a DSCR Loan in 5 Quick Steps
Find Investment Property
Find cash-flowing properties on Ziffy.ai, our AI-driven property search platform where investors can find properties their rent covers mortgage. Our AI-Driven Investment Search Engine offers curated property listings, cashflow and profitability analysis.
Property Income Assessment
Check rental income potential and do thorough investment analysis with Ziffy’s AI-Driven Investment Property Search Engine. Our platform offers calculation of monthly payments vs cash-flow to help you pick the best property.
DSCR Calculation
Our DSCR Calculator is designed to help you assess a property’s eligibility by measuring its ability to generate sufficient income to cover its debt obligations.
Get Pre-approved
Speak to our local investor-friendly real estate agents, submit your documents and get pre-approved with the help of our expert loan officers.
Close on Your Investment Property
Apply for our DSCR loan under the guidance of mortgage loan officer and streamlined technology platform to finance your property and close the purchase.
At Ziffy Mortgage Exclusive
Get The Best
Mortgage Rates
Lock in a highly competitive rate tailored for investors. Our specialized loans ensure the most favorable terms to maximize returns on U.S. real estate.
AI-Driven Investment
Property Search Platform
Discover top investment properties with curated listings, cash flow and profitability analysis and real-time market alerts. Maximize returns with minimum risks.
One Stop Shop for
Investment Properties
Get everything under one roof – AI driven investment property search, investor-friendly agents, specialized finance, LLC setup, and opening US bank account.
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Matter the Most to Us
FAQs
Still have questions? Explore our full DSCR loan resource library.
What is a DSCR Loan?
A DSCR loan (Debt Service Coverage Ratio loan) is a type of real estate investment loan that is qualified based on the income generated by the property, not the borrower’s personal income, making it ideal for investors who can’t qualify for traditional mortgages.
How do I know if my property qualifies?
We use a simple ratio: your property’s rental income divided by its PITIA (Principle, Interest, Taxes, Insurance, HOA). If this ratio is 1.0 or higher, your property likely qualifies! Try Ziffy’s easy DSCR calculator to check your property’s eligibility in seconds.
How is this different from a traditional mortgage?
No tax returns. No employment verification. No debt-to-income requirements. With DSCR loans, we focus solely on the property’s ability to generate income, making it much easier for investors to qualify and scale their portfolios.
