What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) Loan is a mortgage designed for real estate investors that qualifies you based on the property’s cash flow — not your personal income.
Instead of verifying pay stubs, bank statements, or tax returns, we look at one key metric: Does the property generate enough income to cover its monthly housing costs (principal, interest, taxes, and insurance)? If the rent covers the mortgage payment — or comes close — you can qualify. That’s the power of a DSCR loan. This makes it one of the best tools for:
●Self-employed investors
●Real estate entrepreneurs
●Short-term rental (Airbnb/VRBO) operators
●Buy-and-hold landlords
●Fix-and-rent investors looking to scale quickly
Why Atlanta Investors Choose DSCR Loans
Atlanta and its surrounding metro areas are booming with rental demand — from College Park to Marietta and Douglasville to McDonough. Investors are seizing the opportunity, and DSCR loans make that possible without the red tape of traditional financing.
Here’s why investors love them:
●✅ No Income Verification – Qualify using rental income from the property, not your personal income.
●✅ No Employment or Tax Returns Needed – We focus on the deal, not your paperwork.
●✅ Flexible Credit Options – Minimum 620–660 credit score depending on LTV and DSCR band.
●✅ High Loan Amounts – Finance up to $3 million on eligible properties.
●✅ Purchase, Refinance, or Cash-Out – Build equity and reinvest in more properties.
●✅ Short-Term & Long-Term Rentals – Qualify using market rent or Airbnb income, depending on program type.
●✅ DSCR Ratios from 1.25 down to 1.00 — and even No-Ratio Optionsfor strong borrowers.
●✅ Titles in LLCs Allowed – Protect your assets and grow your business properly.
●✅ Up to 80% LTV for purchases and 75% for cash-out refinances.
●✅ Fast Closings – Investor-focused underwriting means quicker approvals and smoother transactions.
If you’re ready to scale your portfolio, our DSCR programs make financing straightforward and investor-friendly.
How DSCR Loans Work at UHome Mortgage
When you apply for a DSCR loan with us, we evaluate the rental income vs. the mortgage payment. That ratio determines your eligibility.
For example: If your property rents for $2,000 per month, and your total housing cost (PITI) is $2,000 or less, your DSCR is 1.0 — which typically qualifies.
The higher the ratio (1.10, 1.25, etc.), the stronger the deal — but even below 1.0 can work for experienced investors or strong credit borrowers under certain programs.
We help you calculate your DSCR instantly and find the perfect loan fit — whether you’re purchasing, refinancing, or doing a cash-out to fuel your next deal.
Real DSCR Loan Highlights (Based on Our Programs)
Because we work with a range of private and institutional lenders, UHome Mortgage can offer a full suite of DSCR loan options, including:
●Standard DSCR – For 1–4 unit properties, qualifying with lease or market rent.
●No-Ratio DSCR – For experienced investors with strong credit and reserves.
●Short-Term Rental DSCR – Uses Airbnb or VRBO income for qualification.
●Portfolio DSCR Loans – Finance multiple properties under one loan for faster expansion.
●Foreign National DSCR – For international investors purchasing U.S. rental property.
●ITIN DSCR – For investors without a Social Security number but strong assets and credit history.
Whatever your strategy — buy-and-hold, fix-and-rent, or vacation rental — we have a solution that fits your inves
Who DSCR Loans Are Perfect For
DSCR loans are ideal if you’re an investor who wants to:
●Qualify without showing income documents or tax returns
●Build or refinance a rental portfolio
●Purchase multiple investment properties over time
●Use Airbnb or short-term rental income to qualify
●Keep your business structured under an LLC
●Access cash-out equity to fund future deals
If you’re serious about scaling your real estate business, DSCR financing gives you the leverage you need — and UHome Mortgage gives you the execution to do it right.
Why Choose UHome Mortgage for DSCR Financing
Our slogan says it all: Loans That Get U Home.
At UHome Mortgage, we understand investors because we are investors. We know how to structure deals that close, how to calculate DSCR ratios that win approvals, and how to move at the speed your business requires.
When you work with our team, you get:
●Fast investor pre-approvalsand same-day DSCR analysis
●Access to dozens of investor-friendly programswith flexible credit and LTV combinations
●Dedicated guidance from experts who understand real estate investing
●LLC-friendly loans that protect your assets
●Simple, fast closings with minimal documentation required
We help Georgia investors go from one door to many — faster, smarter, and with total confidence.
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