DSCR Investor Loans in Pennsylvania, Missouri, and Puerto Rico

A DSCR (Debt Service Coverage Ratio) loan qualifies real-estate investors based on the property's rental income rather than personal income documents. If the property's rent covers its mortgage payment, it can qualify — no tax returns or W-2s required.

Benefits of a DSCR loan

• Qualify on rental income, not personal tax returns
• Ideal for self-employed and portfolio investors
• Finance in an LLC in many cases
• Scale a rental portfolio without traditional income limits

What to consider

• Down payments are typically 20%+
• Rates run slightly higher than owner-occupied loans
• For investment properties only — not primary residences

Ready to explore dscr investor loans? Jose Roman can walk you through eligibility, compare options, and get you pre-approved in Pennsylvania, Missouri, and Puerto Rico.

Jose Roman, Team Leader at NEXA Lending LLC.. NMLS #714431. Call (484) 364-1236.