Nick Hebert — Edge Home Finance

Grow your portfolio with DSCR financing.

Qualify on the property's rental income — not your personal tax returns. Built for investors who think in cash flow.

Discuss Your Deal

What is DSCR?

DSCR stands for Debt Service Coverage Ratio — the ratio of a property's rental income to its mortgage payment. Instead of proving personal income with tax returns, lenders evaluate whether the property's rent covers the debt.

A DSCR of 1.0 means rent equals the payment. Most programs look for 1.0–1.25+, depending on the lender and property type.

Who it's for

  • ✓ New investors buying their first rental
  • ✓ Seasoned investors scaling a portfolio
  • ✓ Self-employed borrowers with strong rentals
  • ✓ W-2 earners who maxed conventional limits
  • ✓ LLC and entity purchases (program-dependent)

Example scenarios

First rental property

New investor buying a single-family rental. Qualify on projected rent, not your W-2.

Portfolio expansion

Seasoned investor adding property #5 or #10. DSCR scales with your portfolio goals.

Short-term rental

Airbnb or vacation rental? Some DSCR programs accept short-term rental income projections.

Refinance to pull equity

Already own rentals? Refinance based on property cash flow to fund your next deal.

Have a deal in mind?

Let's run the numbers on your next investment property.