The property carries the analysis
Rent documentation and the property's operating picture drive a DSCR review, so accurate figures matter.
loan programs
DSCR Loans
DSCR stands for Debt Service Coverage Ratio: a comparison of the income a property produces to the debt payment on that property.
Debt Service Coverage Ratio (DSCR) in commercial real estate financing. Whether you’re investing in a new property or refinancing an existing one, understanding and optimizing your DSCR is crucial. Our expert team specializes in commercial lending and is committed to helping you navigate the complexities of DSCR with confidence.
Program description as published on bossmortgage.com/products (preserved verbatim).What this financing is
DSCR structures focus on the property rather than centering the review on the borrower's personal income documentation. That is why investors often use them when building a portfolio.
How rents are documented, what ratio an investor looks for and what reserves are expected vary by investor and by property type.
Who it may be a fit for
Investors buying rental property
Investors refinancing an existing rental
Borrowers holding property in an LLC
Investors growing a portfolio
Borrowers with complex personal tax returns
Not sure if DSCR Loans fits your situation?
A licensed Boss Mortgage loan originator can look at the details with you and explain what applies to you.
What to think about
Entity ownership is common
Many DSCR borrowers hold title in an LLC. Ask how that affects the structure of your file.
Reserves may be reviewed
Investors often look at reserves in addition to the ratio itself.
Compare structures
For a 1–4 unit rental it is often worth pricing DSCR against a conventional investment property loan.
How the process works
1. Get approved
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Connect with a BOSS Mortgage loan originator, review your financing options, and provide the information needed to understand your buying power before you start shopping.
Shop with a clear budget in mind. When you find the right property, your loan originator can help you understand the financing details that apply to that home and your offer.
Once you are under contract, the BOSS Mortgage team helps keep the loan moving through documentation, underwriting, and closing so you can get the keys and move forward.
Frequently asked questions
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It compares the income a property produces to the debt payment on that property, and it is used in investment and commercial real estate financing.
Boss Mortgage works with investors on both purchases and refinances structured this way.
Is personal income reviewed on a DSCR loan?
DSCR structures focus on the property's ability to cover its debt service, which is why investors often consider them. The specific documentation an investor requires can still vary.
A loan originator who works with these programs can outline what a particular scenario would require.
Can I finance more than one rental property?
Many investors hold multiple properties. Boss Mortgage works with complex tax returns and with 1–4 unit properties, and can explain how equity in one property may be leveraged toward another.
How is self-employed income documented?
Self-employed files often involve tax returns and business documentation, and calculating usable qualifying income takes experience. Boss Mortgage also offers bank statement options for borrowers whose returns do not reflect the full picture.
Bring your documents to a loan originator rather than guessing at the numbers yourself.
What if I recently became self-employed?
The existing Boss Mortgage Self-Employment Income program description states: “We have options for those of you newly self-employed too! You don’t have to be in business for 2 years anymore, believe it or not!”
Talk with a licensed loan originator about which options currently apply to your situation.
Can assets be used instead of income?
Some programs consider a borrower's assets as part of qualifying rather than relying only on monthly income documentation. Availability and structure vary by investor.
Ask a loan originator whether an asset-based approach fits your file.
Other programs
Investor Loans
Financing for rental and investment property, from a first rental to a growing portfolio, with Boss Mortgage.
Learn more →
LLC Lending
Financing real estate held in a limited liability company, with guidance from the Boss Mortgage investment lending team.
Learn more →
1031 Exchange
Financing that supports a 1031 exchange, coordinated with your qualified intermediary and tax advisor by Boss Mortgage.
Learn more →
Bank Statement Loans
Bank statement mortgage options for self-employed borrowers and others whose tax returns do not show the full financial picture.
Learn more →Ready to get started?
Every situation is different. We’ll help you understand your options and what may fit your goals.
This page is general information about mortgage financing and is not a commitment to lend, an offer of credit, or financial or legal advice. Program availability, guidelines and requirements are set by lenders and investors, can change, and depend on your individual circumstances and the property. Talk with a licensed Boss Mortgage loan originator about what applies to you.
Boss Mortgage LLC NMLS #2547821. See the Licensing page for state licensing information. Additional disclosures appear in the footer of every page.