Home / DSCR / Conventional reads you. DSCR reads the rent.
Updated September 2026
DSCR guide
Conventional reads you. DSCR reads the rent.
A conventional loan on a rental still cares about your job, your debts, and your tax returns. DSCR does not. That is why a write-off heavy investor fails conventional and clears DSCR. If your income is easy to document and you want a primary-style conventional cash-out, we have that door too: no hit to the rate on that conventional cash-out screen, up to 90% on a primary at 660. Do not use DSCR for the house you live in. Do not use conventional just because a bank website said investor loans exist.
Sending a file is not an approval and not a credit pull. We text the same business day. We do not call. If we can structure it, we name the door. If we cannot, we say so.
The screen
| DSCR | Conventional | |
|---|---|---|
| What qualifies | Rent / PITIA | Your income and DTI |
| Tax returns | Not on standard DSCR | Yes |
| Best fit | Rentals, LLC, write-offs | Clean W-2 or easy returns |
| Cash-out | Often 70–75% on the rental | Primary cash-out can go higher |
What we fund
- Investors who cannot show income the bank way
- Borrowers who can, and should price both
- A rental and a primary in two different products
What we still need. Short list.
- Credit is still reviewed. A lower score changes leverage, it does not skip the file.
- Reserves and down payment, sourced, when that screen asks for them.
- Appraisal plus a lease, market rent, or a short-term rent schedule.
- Entity documents if you close in an LLC.
Questions
Is DSCR always more expensive?
Often the rate is higher than a clean conventional file. It is still the right loan if conventional cannot use your income.
Can I conventional-finance an LLC rental?
Usually the loan wants a person, not an LLC. DSCR is built for the entity.
Which one should I send?
Both, if you might qualify for both. We text the one that fits. We do not make you guess the product name.
Related
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.