DSCR Loans
Secure residential (1–4 units) and commercial (up to 20 units) properties with low-rate DSCR Loans from Keyline Mortgage. No personal financial documents required.
What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) Loan is a non-qualified mortgage tailored for real estate investors. With Keyline Mortgage, DSCR loans qualify borrowers based solely on the cash flow of the investment property—no personal financial documents required. This makes them ideal for purchasing or refinancing residential properties (1–4 units) or commercial properties (up to 20 units).
The DSCR is calculated by dividing the property’s monthly rental income by its monthly mortgage payment, taxes, and insurance. Keyline Mortgage accepts DSCRs as low as 0.8, or even non-debt servicing loans in some cases, offering unmatched flexibility.
DSCR Calculator
Calculate your property’s Debt Service Coverage Ratio to see if it qualifies for a DSCR loan with Keyline Mortgage. We accept DSCRs as low as 0.8, or non-debt servicing in some cases.
Why Choose DSCR Loans with Keyline Mortgage?
- No Personal Financial Documents: Qualify without W-2s, tax returns, or personal income verification.
- Flexible Property Types: Finance residential (1–4 units) or commercial properties (up to 20 units).
- Low DSCR Threshold: Qualify with DSCR as low as 0.8, or non-debt servicing in some cases.
- Fast Approvals: Keyline Mortgage offers closings in as little as 14 days.
- Competitive Rates: Rates as low as 5.5% for high DSCR properties (as of April 2025).
How to Qualify for a DSCR Loan
Keyline Mortgage makes qualifying for DSCR loans simple:
- Minimum DSCR: As low as 0.8, or non-debt servicing options available.
- Property Types: Residential (1–4 units) or commercial (up to 20 units).
- Loan-to-Value (LTV): Up to 80%, requiring a 20% down payment.
- Cash Reserves: 3–6 months of mortgage payments.
- Credit Score: Minimum 620, with better terms for 700+.
Keyline Mortgage offers DSCR loans up to $3.5M with no personal financial documents required.
Frequently Asked Questions
What Is a Good DSCR Ratio?
Keyline Mortgage accepts DSCRs as low as 0.8, or non-debt servicing in some cases. Ratios above 1.25 may secure better terms.
How Is DSCR Calculated?
DSCR = Current Monthly Rent ÷ (Monthly Mortgage Payment + Taxes & Insurance). Keyline Mortgage simplifies this process for you.
What Properties Qualify for DSCR Loans?
Keyline Mortgage offers DSCR loans for residential properties (1–4 units) and commercial properties (up to 20 units).
What Our Clients Say
“Keyline Mortgage secured my DSCR Loan in just 14 days. Best experience I’ve had so far!”
– Jane D., Real Estate Investor
“Keyline’s DSCR qualification was easy, and their non-debt servicing option saved my deal.”
– Mark S., Property Manager
Ready to Invest with Keyline Mortgage?
Apply for fast, flexible DSCR loans with no personal financial documents. Get pre-approved in 24 hours!
Apply Now