What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors who care more about cash flow than W-2s and tax returns. Instead of digging into your personal income, DSCR loans look at how well your rental income covers the mortgage payment.
If the numbers work, the deal works. It’s that simple.
Why Investors Love DSCR Loans from Green Room Funding
No personal income verification
We focus on property performance, not your job history or tax returns.
Perfect for scaling a rental portfolio
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Flexible property types
Single-family, condos, cabins, vacation rentals, beach houses, mountain homes, urban STRs.
Relationship-driven approach
We get to know your strategy and help structure financing to match your goals, not just this one deal.
How it works?
01
Submit Your Deal
Fill out our quick online form with property details, rehab budget, and exit plan.
02
Get a Term Sheet Fast
We review the deal — not your personal income — and give you transparent terms based on ARV, rehab scope, LTC/LTV.
03
Close & Rehab
Once terms are accepted, we fund the purchase. Rehab funds are released based on draw inspections.
04
Complete & Exit
Sell or refinance the property to pay off the loan. Your profit — and next opportunity — begins.
DSCR Loan Highlights
DSCR Loan Feature
Details
Qualification
Based primarily on Debt Service Coverage Ratio (rental income vs. payment), not personal income
Typical DSCR Requirement
Generally 1.0–1.2+ depending on product and risk
Terms Options
30-year fixed and ARM options designed for long-term holds
Property Types
Single-family rentals, 1–4 unit properties, and eligible short-term rentals
Ideal For
Investors focused on cash flow and portfolio growth who want long-term, asset-based financing
Who Our DSCR Loans Are Perfect For
Buy-and-hold investors building long-term wealth
Great for investors focused on cash flow and appreciation over time.
BRRRR investors looking for the “Refi” piece
Use DSCR loans to refi out of short-term or rehab financing and lock in long-term debt.
Self-employed investors and business owners
If your tax returns don’t tell the full story but your rentals cash flow, DSCR is made for you.
Short-term rental & vacation rental investors
Use actual or projected rental income (where allowed) to qualify properties that don’t fit in the traditional lending box.
