Contact American Mortgage Services For Your DSCR Loans

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Need a DSCR Loan?

We Get It Closed. Fast.

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Get Pre-Qualified for a DSCR Loan Today

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When do you plan to purchase?(Required)

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Excellent (720+)

Good (660-719)

Avg. (620-659)

Below Avg. (580-519)

Poor (<579)

Why Use a DSCR Loan?

If you’re a real estate investor, getting a traditional mortgage can be a hassle. DSCR Loans are designed just for you—evaluating the property’s cash flow, not your personal income.

What Is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is a non-QM (non-qualified mortgage) product that helps investors finance rental properties based on the property’s income—not your job or income statements. If your rental income covers the mortgage, you’re in!

FAQs

Do I need income documents?

No. DSCR loans do not require income, W-2s, or tax returns.

What’s the minimum DSCR to qualify?

Typically 1.0 or higher, but some lenders accept below that with compensating factors.

How fast can I close?

As fast as 10–15 business days.

Can I use a DSCR loan for Airbnb or VRBO rentals?

Yes! We work with investors who use both short- and long-term rentals.

We Close DSCR Loans FAST

Call Us! (888) 838-9330

The contents within the website are presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

American Mortgage Services, Inc. NMLS# 259805
NMLS Consumer Access
American Mortgage Services, Inc. Licensed in AL, FL, GA, LA, MI, & TN