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Use the rental income, not your personal income — get it done, then onto the next one
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Beeline DSCR vs traditional investment property loans
| Feature | DSCR Loan | Traditional Investment Property Loan |
|---|---|---|
| What It Is | DSCR = Debt Service Coverage Ratio (property’s rental income/debt) | Relies on your personal income to support loan payments |
| Approval | Based on rental income (no paystubs, no W-2s, no tax returns) | Based on personal income and DTI |
| Paperwork | Less— no tax returns, no personal income verification | Extensive documentation required |
| Investor-friendliness | Designed for real estate investors, LLCs, and corporations | Often more restrictive — favors individuals over entities |
| Title vesting | Close in your LLC or your personal name | Typically you cannot close in an LLC |
| Property use | Long and short term rental OK | Typically long-term rental only |
| Borrowing limits | No limit to number of properties you can own | Personal income caps how much you can borrow |
What It Is
DSCR Loan
DSCR = Debt Service Coverage Ratio (property’s rental income/debt)
Conventional Investor Loan
Relies on your personal income to support loan payments
Approval
DSCR Loan
Based on rental income (no paystubs, no W-2s, no tax returns)
Conventional Investor Loan
Based on personal income and DTI
Paperwork
DSCR Loan
Less— no tax returns, no personal income verification
Conventional Investor Loan
Extensive documentation required
Investor-friendliness
DSCR Loan
Designed for real estate investors, LLCs, and corporations
Conventional Investor Loan
Often more restrictive — favors individuals over entities
Title vesting
DSCR Loan
Close in your LLC or your personal name
Conventional Investor Loan
Typically you cannot close in an LLC
Property use
DSCR Loan
Long and short term rental OK
Conventional Investor Loan
Typically long-term rental only
Borrowing limits
DSCR Loan
No limit to number of properties you can own
Conventional Investor Loan
Personal income caps how much you can borrow
There’s no limit to the number of properties you can own — your income won’t restrict you
- Minimum 20% down payment
- Credit score of 640 and up
- Long and short term ok
- 12 months’ rental or mortgage history
