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DSCR Purchase Loans

Finance Your Next Rental Property Using Rental Income

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Your Next Investment Starts Here

Buying your first rental or adding another property to your portfolio? A DSCR purchase loan lets eligible investors qualify using the property’s rental income rather than personal earnings. Lenders evaluate that income against the proposed mortgage obligations, along with your credit, down payment, and reserves.

Our DSCR programs don’t require W-2s, pay stubs, or personal tax returns for income qualification. That gives you another way to finance an investment when traditional income documentation doesn’t reflect your financial picture.

At Select Home Loans, we help you compare purchase financing through our lending partners for eligible investment properties across 39 states. We’ll explain your options, estimated payments, and closing costs so you can prepare your next move with confidence.

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DSCR Purchase Loans

Why choose Select Home Loans?

  • Diverse mortgage options: Conventional, FHA, VA, Reverse Mortgages, Jumbo, Non-QM Loans, HELOC, Second Mortgages, and DSCR Loans.
  • Trusted reputation: A+ Rated and accredited by the Better Business Bureau.
  • Customized service: Solutions crafted to meet your specific requirements.
  • Established credibility: A reputation built on trust and experience.
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Pre-approved for a loan up to $500,000

DSCR Financing for the Property You Have in Mind

Options may include single-family homes, townhomes, condos, rural properties, multi-unit properties, and small portfolios, with programs for both short-term and long-term rentals. Eligible purchases may also close in an existing or newly formed LLC.

Depending on the program, qualifying rental income may come from an existing lease, an appraiser’s market rent estimate, or an approved short-term rental analysis. If the property isn’t currently rented, we’ll help you explore options that consider its rental potential.

From reviewing the property to coordinating documentation and closing requirements, we’re here to answer your questions and keep you informed throughout your purchase.

For a list of states we serve and answers to common questions, visit the FAQ section on our DSCR loans page.

More Choices. More Clarity. More Support.

More Options
Multiple lending partners, with programs and rates to fit your goals.
3,500+
Borrowers helped along the way
39States
Business-purpose DSCR financing for eligible investment properties.

Hear What Our Clients Have To Say!

“We recently worked with Nick Andrews on a DSCR refinance for our investment property in Florida. The experience was smooth from start to finish. He handled the process exactly how an investor loan should be handled: clear communication, fast turnaround, and no surprises. From the initial quote through underwriting and closing, Nick stayed on top of every moving piece (DSCR calculations, rental income documentation, appraisal coordination, conditions) and explained everything in plain English. If you’re an investor looking for a rental income loan, I’d strongly recommend Nick at Select Home Loans.”
Brian N.Jupiter, Florida
“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been.”
Isabel B. & Gerald B.West Palm Beach, Florida
“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”
Miriam L.Orlando, Florida
“I was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans. From start to finish, the process went smoothly and without any surprises. I highly recommend Select Home Loans.”
Judy M.Boca Raton, Florida
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