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Debt Service Coverage Ratio Loan

  • No personal income required
  • Qualify based on cash flow
  • Available as 30-year fixed or 5/1 adjustable rate mortgage
  • Borrow up to $650,000

*DSCR loans require 20% down, a minimum $175,000 loan amount and credit score of 680 or higher.

Use a DSCR loan to purchase investment property.

If you are looking to purchase an investment property without requiring proof of personal income such as tax returns or pay stubs to qualify, a DSCR mortgage loan from NASB may be the solution.  We look at your debt service coverage ratio (DSCR) to determine eligibility.  NASB offers reasonable rates, in-house underwriting, and a down payment as low as 20% dependent on your credit score and DSCR*.

What Our Customers Say
Joshua S., April 28, 2021
★★★★★ (5)

"Everyone at NASB was great to work with! They made a complicated process simple and easy to understand."

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*Not available in New York state, the Chicago or Baltimore metropolitan areas, and not available in all locations or for all property types. Loans subject to underwriting and eligibility criteria, and other factors. Your loan officer will provide you with more information regarding DSCR loans and what may work best for your situation.
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NMLS ID# 400039.

Not all products are available for collateral located in all states or for all amounts. Other restrictions and limitations may apply.

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