A DSCR loan (Debt Service Coverage Ratio loan) is a business-purpose real estate loan that evaluates whether an investment property's income can support its debt payments. The DSCR is calculated by dividing annual Net Operating Income (NOI) by annual principal and interest debt service. Unlike conventional income-based qualification, DSCR programs generally focus on property cash flow rather than personal tax returns. Credit, reserves, property eligibility, and other underwriting requirements still apply.
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