What Is a DSCR Loan? | The 2 Mortgage Guys

A DSCR loan qualifies Indiana investors on rental cash flow—not personal income. Learn purchase, refinance, and how it differs from traditional qualifying.

What Is a DSCR Loan? | The 2 Mortgage Guys

A DSCR loan qualifies Indiana investors on rental cash flow—not personal income. Learn purchase, refinance, and how it differs from traditional qualifying.

What Is a DSCR Loan?

How DSCR Loans Work

At a Glance

Purchase & Refinance Use Cases

DSCR vs. Traditional Investor Qualifying

Keep Exploring

Frequently Asked Questions

Ready to Pre-Approve Your Next Rental?

An investor mortgage that qualifies on rental cash flow — not your personal income docs. Built for Indiana landlords buying, refinancing, and scaling without maxing personal DTI.

Instead of proving personal income with W-2s, pay stubs, and tax returns, DSCR underwriting asks a simpler question: does this rental earn enough to cover its housing payment?

Lenders compare gross monthly rent to total PITIA — principal, interest, taxes, insurance, and HOA when applicable. When that ratio meets program minimums, the property can carry the loan even if your personal returns look thin on paper.

That makes DSCR a practical path for buy-and-hold investors, LLC purchasers, and self-employed borrowers scaling across Indianapolis, Fort Wayne, Lafayette, and smaller Indiana markets.

Guidelines vary by investor, property type, and loan amount. This overview is educational — your file is reviewed against current product rules.

DSCR is not just for first-time rental acquisitions — investors use it across the portfolio lifecycle.

See how property-focused underwriting differs from agency and conventional investment loans.

Related DSCR guides and investor resources from Ryan & Steve.

2MG Daily

Recent articles on DSCR financing, rental investing, and Indiana market insights.

No related blog posts yet. Check back soon for the latest updates.

Talk with Ryan & Steve about DSCR financing for Indiana investment properties — or run your ratio in the calculator first.

window.open(APPLY_URL, '_blank', 'noopener')} className="px-8 py-4 rounded-xl text-[#020617] text-lg font-semibold transition-all duration-200 hover:shadow-[0_0_20px_rgba(30,205,241,0.25)] active:scale-[0.98] active:translate-y-[1px]" style= >Get Pre-Approved
Try Again
navigate('/blog')} className="px-5 py-2.5 rounded-xl text-[#020617] text-sm font-semibold transition-all active:scale-[0.98]" style= >Visit Our Blog

navigate('/blog')} className="px-6 py-3 rounded-xl text-[#020617] text-sm font-semibold transition-all hover:shadow-[0_0_20px_rgba(30,205,241,0.25)] active:scale-[0.98]" style= >View All Posts

setOpenFaq(openFaq === i ? null : i)} className="w-full flex items-center justify-between gap-4 px-5 py-4 text-left transition-all active:scale-[0.99]">

} onBlur= >Skip to main content
} className="hover:text-[#1ecdf1] transition-colors">Home
} className="hover:text-[#1ecdf1] transition-colors">DSCR Loans
} className="px-8 py-4 rounded-xl text-sm font-semibold border border-[#1e293b] text-[#e2e8f0] transition-all duration-200 hover:bg-white/[0.05] active:scale-[0.98] active:translate-y-[1px]">DSCR Overview
} className="px-8 py-4 rounded-xl text-sm font-semibold border border-[#1e293b] text-[#e2e8f0] transition-all duration-200 hover:bg-white/[0.05] active:scale-[0.98] active:translate-y-[1px]">Run DSCR Numbers
} className="text-sm font-semibold text-[#1ecdf1] hover:underline">Non-QM Loans →
} className="text-sm font-semibold text-[#1ecdf1] hover:underline">Conventional investment →
} className="group rounded-2xl border border-[#1e293b] bg-[#0f172a] p-6 transition-all duration-200 hover:border-[#1ecdf1]/40 hover:-translate-y-1 active:scale-[0.98]">
} className="px-8 py-4 rounded-xl text-sm font-semibold border border-[#1e293b] text-[#e2e8f0] transition-all duration-200 hover:bg-white/[0.05] active:scale-[0.98] active:translate-y-[1px]">Open DSCR Calculator