Loan Programs — Investor

DSCR Investor Loans

The property qualifies. Not you. DSCR loans underwrite based on rental income relative to the mortgage payment — no W-2s, no tax returns, no personal DTI calculation.

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Tax Returns

Personal DTI

SFR–Multifamily

Property Types

Who It’s For

Is this your loan?

Every program is built for a specific borrower. Here’s where this one tends to be the right call.

The Active Investor

You’re building a portfolio and conventional investor overlays are limiting your scale. DSCR lets you qualify deal by deal on property cash flow — not personal income documentation.

The High-Write-Off Borrower

Your tax returns show minimal income after depreciation and deductions. DSCR ignores your personal returns entirely — the rent roll is what matters.

The STR Investor

Short-term rental properties require specialized lenders. Some DSCR programs use STR income projections from AirDNA or actuals — your loan officer will know who accepts your property type.

The Process

From quote to keys

One point of contact, start to finish. Here’s what working with Manor looks like.

Property Analysis

We review the rent schedule or lease, run the DSCR calculation (gross rent ÷ PITIA), and identify which lenders are sharpest on your property type and ratio.

Application & Docs

Entity docs if purchasing in an LLC, property info, lease or STR income documentation, and asset statements for down payment and reserves. No personal tax returns.

Underwriting

DSCR underwriting focuses on the property. Appraisal includes a rent schedule (Form 1007). Lender reviews lease, vacancy assumptions, and property condition.

Close & Fund

Most DSCR loans close in 21–30 days. Your loan officer manages the process and flags any property-specific conditions early.

Common Questions

Straight answers

Gross monthly rent divided by PITIA (principal, interest, taxes, insurance, and HOA if applicable). A 1.0 means rent covers the payment exactly. Most lenders want 1.0–1.25+. If the ratio is below 1.0, some lenders still have programs — your loan officer will tell you what’s available for your specific number.

No — DSCR loans are available in personal name or entity. If you’re buying in an LLC, we need the entity docs. Some lenders prefer one over the other for pricing — your loan officer will advise based on your situation.

SFR, 2–4 units, condos, townhomes, and in some cases 5–8 units. Short-term rental programs vary by lender. Mixed-use and commercial properties generally don’t fit DSCR — those fall into different financing categories.

Typically 20–25% on SFR, 25–30% on 2–4 units. Some programs go to 15% down with compensating factors. Higher LTV means tighter pricing — your loan officer will model the rate impact.

Depends on your income documentation situation. If you can document income cleanly, conventional agency programs often price better. If your returns are suppressed by depreciation and write-offs, DSCR may be the only viable option — or the more practical one. Your loan officer will run both.

Get a Quote

Send us the property details

Address, estimated rent, and purchase price is enough for a preliminary DSCR read. Your loan officer will tell you where you stand before you’re in contract.

DSCR calculation done before full application
SFR, multi-unit, and STR programs available
LLC and personal name both accepted
Your loan officer responds personally

Tell us about your scenario

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Got it — your loan officer will be in touch.