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A Loan Program Made for Real Estate Investors

Is the DSCR Loan Program Right for You?

Are you buying a home or refinancing?

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Enter your phone number and we'll text you a 6-digit security code to verify it's you. Standard texting and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions..

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By submitting this form, I/we agree to your Privacy Policy, Email and Mobile Policy, Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

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 How it Works: 

What’s a DSCR Loan?

A DSCR Loan (short for Debt-Service Coverage Ratio loan) is a special type of mortgage designed with real estate investors in mind. Instead of looking at your personal income, lenders focus on whether the rental income from the property can cover its own expenses.

How It Works

Lenders calculate something called the Debt-Service Coverage Ratio (DSCR):

  • DSCR ≥ 1.0: This means the property earns enough to cover its expenses—great news!
  • DSCR < 1.0: Some lenders may still approve the loan (for example, with a DSCR of 0.75) if there are strong compensating factors like excellent credit or a large down payment.

Who This Loan Is Great For

  • Real estate investors with multiple properties
  • Borrowers with lots of tax write-offs and low reported income
  • Foreign nationals investing in U.S. real estate
  • High-credit borrowers with non-traditional income sources

Key Benefits

  • No need for tax returns, W-2s, or personal income verification
  • Can be closed in an LLC or business name
  • Faster, streamlined approval process
  • Many lenders allow unlimited properties
  • Often includes interest-only payment options