Grow Your Rental Portfolio — Qualify on Property Income, Not Yours
DSCR loans for 1-8 unit investment properties. No personal income docs required.
Get a DSCR QuoteWhat Is a DSCR Loan?
The investor's alternative to traditional income verification
DSCR stands for Debt Service Coverage Ratio. It compares the property's rental income to its mortgage payment.
If the property earns enough to cover the loan, you qualify — regardless of your personal income or employment.
This makes it ideal for investors who own multiple properties or have complex tax situations.
DSCR Programs by Property Type
Choose the program that fits your investment strategy
1-4 Unit DSCR
Single-family, condos, condotels, and small multifamily
- Min 620 FICO, up to 80% LTV
- No minimum DSCR ratio up to 75% LTV
- No personal income documentation required
- AirDNA & short-term rental income accepted
- Loan amounts up to $3.5M
- Vacant properties and rural (up to 20 acres) allowed
- SFR, condos, condotels, 2-4 units
- 3 months cash-out seasoning
- No deposit sourcing required
5-8 Unit & Mixed Use
Scale into larger multifamily and commercial mix
- Min 700 FICO, up to 75% LTV
- Min DSCR of 1.0
- Commercial space under 50% allowed
- Cash-out up to 65% LTV
- Loan amounts up to $2M
Multi-Property (2-25 Properties)
For investors with 2+ properties
- Min 660 FICO, up to 70% LTV
- Min DSCR of 1.2
- 2 to 25 properties
- Min $50K balance per property
Why Investors Choose Primo
We speak your language — literally and financially
We understand investor timelines
We know cash flow math and move at the speed your deals demand.
Airbnb & VRBO income accepted
We’ve closed using short-term rental documentation including AirDNA projections.
Bilingual service
Helpful for international investors navigating the U.S. market.
Fast closings
~23 days average to Clear to Close. Your deal won’t stall.
94% pull-through rate
Your deal won’t fall apart. We close what we start.
Have a property in mind? Let's run the numbers.
Get a DSCR quote tailored to your investment property.