A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors who want to qualify based on property income rather than personal tax returns. Whether you are purchasing a new rental or refinancing an existing one, DSCR loans make growth possible. Mike Wright, trusted mortgage broker at The Wright Loans in Huntington Beach, helps investors across California build strong portfolios. Licensed in Arizona, California, Florida, Idaho, Tennessee, and Wyoming.
A DSCR (Debt Service Coverage Ratio) loan allows you to qualify for financing based on the rental income of the property compared to its expenses. Instead of verifying personal income, lenders look at cash flow. This makes it a powerful tool for real estate investors who want to avoid the hurdles of complex tax returns.
Investors use DSCR loans to grow portfolios without being limited by personal income documentation. With simplified qualification, flexible property types, and competitive terms, these loans make it possible to scale faster and manage investments strategically. Mike Wright connects you with multiple lenders and ensures your file is clean and ready for approval.
With a DSCR loan, the property’s income is what matters. Lenders review rental income versus total housing expenses to calculate the ratio. Mike Wright helps gather leases, rent rolls, and appraisal data to show the property’s ability to support the loan.
Forget stacks of W-2s and tax returns. DSCR loans focus on the property itself. Mike Wright provides a simple checklist, organizes documents, and ensures the lender has everything needed for a fast, smooth underwriting process.
DSCR loans are ideal for investors expanding into multiple properties. Because qualification is property-based, adding more doors is easier. Mike Wright reviews reserve requirements, lender guidelines, and growth strategies to help you scale with confidence.
DSCR loans work for single-family rentals, multifamily properties, and in some cases, short-term rentals like Airbnb. With both fixed and adjustable terms available, Mike Wright matches you to lenders that support your investment plan.
Real estate investors deserve a mortgage broker who speaks their language. Mike Wright, founder of The Wright Loans, provides clear explanations, multiple lender options, and steady communication from start to finish. Based in Huntington Beach and serving clients across California, Mike is also licensed in Arizona, Florida, Idaho, Tennessee, and Wyoming. With organized documents and a deep understanding of investor needs, he helps you finance properties smoothly and on time.
If you are buying or refinancing an investment property, DSCR loans offer flexible financing based on rental income. These FAQs explain how the ratio works, what documents you need, and why working with a mortgage broker like Mike Wright makes the process simple and effective.
It is an investment property loan where lenders qualify you based on the property’s rental income compared to its housing expenses, not your personal income.
DSCR loans allow you to qualify even if your tax returns show heavy write-offs or variable income. They make it easier to expand your portfolio quickly and efficiently.
It is the property’s net rental income divided by its mortgage payment (principal, interest, taxes, insurance, and HOA). A ratio of 1.1 or higher is common for approval.
Yes, many lenders allow short-term or Airbnb rentals, provided the property’s market rent supports the loan. Mike Wright confirms program rules and matches you with the right lender.
Down payment requirements vary, but investors should expect to bring at least 20–25%. Mike Wright reviews options and shows what fits your strategy and reserves.
Rates can be slightly higher due to flexible underwriting, but the ability to qualify on cash flow often outweighs the cost. Mike Wright compares terms to find your best fit.
Typically leases, rent rolls, and an appraisal with a rental schedule. Mike Wright prepares a complete checklist so your submission is clean and fast.
Brokers like Mike Wright provide lender choice, investor experience, and organized support. Instead of one bank’s rules, you access multiple programs, saving time and improving approval chances.
