Keep buying rentals — the property qualifies, not your income.
A DSCR loan from Abo Capital is a business-purpose mortgage for real estate investors. Instead of W-2s, pay stubs, or tax returns, you qualify on the property’s cash flow — whether the rent covers the payment. It’s the most popular way to finance rental property at scale.
DSCR loan terms at a glance
85%
maximum LTV (purchase)
$4M+
maximum loan amount
From 550
minimum credit score
No-ratio
qualify with no income ratio (option)
STR OK
short-term rentals welcome
30-yr
fixed terms + interest-only options
All figures shown are maximums, with exceptions considered on a case-by-case basis. Final terms are quoted per deal and depend on the property, its cash flow, and your profile.
How a DSCR loan works
DSCR stands for debt-service coverage ratio — the property’s monthly rent divided by its monthly payment (principal, interest, taxes, insurance, and any HOA dues). A ratio of 1.0 means the rent exactly covers the payment; above 1.0 is positive cash flow. Many programs go down to 0.75, and a no-ratio option lets you qualify without using rental income at all. Because the loan is underwritten on the property, there’s no personal income documentation.
The simple math
Monthly rent ÷ monthly payment = DSCR. $2,000 rent on a $1,800 payment is a 1.11 ratio — comfortably qualifying.
Built for rental investors
Whether you’re buying your first rental, refinancing to pull cash out of a property you already own, or scaling a portfolio, a DSCR loan keeps the focus on the asset. Cash-out refinance is available, so you can tap the equity in a rental property and redeploy it into the next deal — a common way to grow a rental portfolio without touching your personal income.
Short-term rentals, foreign nationals, and more
Short-term rentals (Airbnb / VRBO) are treated as a first-class property type, not an exception — projected or actual short-term-rental income can be used to qualify. Programs are also available for foreign national and ITIN borrowers, and for 1–4 unit homes, condos, and townhomes held for investment.
Ready to finance your rental?
Qualify on the rent, not your tax returns — get a fast read on your deal.
DSCR loan FAQs
What is a DSCR loan?
A DSCR (debt-service coverage ratio) loan is a business-purpose mortgage for investment property that qualifies you on the property’s rental income rather than your personal income. No tax returns, W-2s, or pay stubs are required.
How is DSCR calculated?
DSCR is the property’s monthly rent divided by its total monthly payment — principal, interest, taxes, insurance, and any HOA dues. A ratio of 1.0 means the rent exactly covers the payment; many programs allow ratios down to 0.75.
Can I get a DSCR loan if the property has no lease or low rent?
Often yes. No-ratio options are available that don’t use rental income to qualify at all, typically at a lower loan-to-value — useful for vacant, newly renovated, or short-term-rental properties.
Do DSCR loans work for short-term rentals like Airbnb?
Yes. Short-term rentals are an eligible, first-class property type, and projected or actual short-term-rental income can be used to qualify on many programs.
Can I take cash out of a rental property with a DSCR loan?
Yes. Cash-out refinance is available on DSCR loans, letting you tap the equity in a rental you already own and reinvest it — a common way to grow a portfolio.