Skip to main content
Quick Mortgage Loans - home loans and VA lending in Phoenix, Arizona
Loan program

DSCR Loans

Investor loans qualified by the property's cash flow - not your W-2.

A Debt-Service Coverage Ratio (DSCR) loan qualifies real estate investors based on the rental income the property produces, rather than personal income documentation. It's a purpose-built solution for investors scaling a portfolio.

Get Preapproved Talk to a Loan Advisor (602) 413-5531
DSCR Loans from Quick Mortgage, a licensed lender in Phoenix, Arizona
Credit guidance
640 opens most programs; 720+ unlocks best pricing.
Down payment
Plan for 20%–25% down. Larger down payments improve pricing and reserve requirements.
Closing costs
Similar 2%–5% range as conventional loans, plus any lender origination points on the specific DSCR program.
Timeline
DSCR loans generally close in 3–5 weeks. Faster than commercial financing.
DSCR Loans requirements at a glance for buyers in Arizona and Texas
At a glance

What a DSCR Loan Looks Like

A quick read on who this program fits, what it takes to qualify, and where the money goes - so nothing feels like a surprise.

Who It’s For

Investor loans qualified by the property's cash flow - not your W-2.

  • Real estate investors
  • Self-employed borrowers with complex tax returns
  • LLC-held investment purchases

How You Qualify

Underwriting reviews credit, income, and the property together to build the loan.

  • DSCR typically 1.0 or higher (varies by program)
  • Credit score generally 640
  • 20%–25% down for most programs

What It Costs

Plan for 20%–25% down. Larger down payments improve pricing and reserve requirements. - Similar 2%–5% range as conventional loans, plus any lender origination points on the specific DSCR program.

  • No personal income or employment verification
  • Close in the name of an LLC
  • No limit on the number of financed properties (varies by lender)
Requirements

What You’ll Need to Qualify

  • DSCR typically 1.0 or higher (varies by program)
  • Credit score generally 640
  • 20%–25% down for most programs
  • Reserves of 3–6 months
Documents

Have These Ready

  • Property lease or market rent analysis
  • Two months bank statements
  • LLC operating agreement (if applicable)
  • Photo ID
  • Insurance quote
Advisor walking a borrower through DSCR Loans in Phoenix, Arizona
Personal review

Not Sure If You Qualify Yet?

A licensed loan advisor will walk your numbers with you - no credit pull, no obligation. You’ll leave the call knowing exactly what to fix first.

Book a 15-min call (602) 413-5531
Benefits and trade-offs of DSCR Loans for homebuyers in Arizona
Straight comparison

The Upside - and What to Weigh

Every program has trade-offs. Here’s the honest picture side by side, without the marketing gloss.

Benefits

  • No personal income or employment verification
  • Close in the name of an LLC
  • No limit on the number of financed properties (varies by lender)
  • Fixed, ARM, and interest-only options

Considerations

  • Higher rates than owner-occupied loans
  • Larger down payment
  • Prepayment penalty on some programs
Honest check
When another program fits better
  • Owner-occupied buyers - DSCR is investment property only
  • Investors whose target property won't hit 1.0 DSCR at market rent
  • Borrowers looking for the lowest possible rate (owner-occupied loans price better)
Compare all programs
Payment calculator for DSCR Loans in Arizona, Texas and California
Payment calculator

Run the Numbers on a DSCR Loan

Adjust the price, down payment, and rate to see an estimated monthly payment. Great for narrowing the search before you formally apply - a quick preapproval confirms your real numbers.

Get a real preapproval Try affordability
Estimated monthly payment
$3,251.75
P&I $2,560
Tax $375
Ins $131
PMI $186
Home price$450,000
Down payment$45,000 · 10%
Interest rate6.500%
Loan term

Estimate only. Taxes, insurance, and PMI vary by location and loan program.

Get Preapproved
Step by step DSCR Loans process from application to closing in Arizona
The process

From Application to Keys in DSCR loans generally close in 3–5 weeks. Faster than commercial financing.

See the full process
  1. 01
    Apply

    Quick online form or a 10-minute call.

  2. 02
    Verify

    Income, assets, and credit reviewed together.

  3. 03
    Appraisal

    Property value confirmed for the loan amount.

  4. 04
    Close

    Sign, fund, and get your keys.

Related

More for DSCR Loans Shoppers

Common questions about DSCR Loans answered by a Phoenix, Arizona lender
Frequently Asked

Questions We Hear About DSCR Loans

Can’t find yours here? A licensed advisor can walk through your specific situation in under 15 minutes.

Still have questions?

Straight answers, no pressure - email or call directly.

Contact an advisor (602) 413-5531
Most programs require a 1.0 ratio, meaning rent covers PITI. Some programs allow under-1.0 with pricing adjustments.
DSCR Loans

See if a DSCR Loan Fits Your Situation.

A 10-minute preapproval gives you real numbers and a licensed advisor to answer questions - no pressure, no obligation.

Get Preapproved (602) 413-5531
Keys handed over after closing DSCR Loans in Phoenix, Arizona
Program terms, rates, credit and eligibility requirements are subject to change. Approval is not guaranteed. All loans are subject to credit approval and program guidelines. Not all applicants will qualify.
Call Now Get Preapproved