DSCR vs Conventional Loan — Which Is Right for You?
Two ways to finance investment properties. The right one depends on your income, credit, and goals.
DSCR: no income docs, no tax returns, unlimited properties
Conventional: lower rates, stricter docs, capped at 10 properties
We're licensed CA brokers — we'll tell you which actually fits
No credit impact Free, no obligationNMLS #2787839CA DRE #01212512
Get Your Investor Loan Rate
Tell us about the property — we'll match you to the right program.
Step 1 of 7No credit impact
What's your DSCR goal?
DSCR vs Conventional — Side by Side
| Feature | DSCR Loan | Conventional Investment |
|---|---|---|
| Income Verification | None required | W-2s or 2 years tax returns |
| Min Credit Score | 660+ | 620+ (700+ for best rates) |
| Down Payment | 20–25% | 15–25% |
| Max Financed Properties | Unlimited | 10 |
| Closing Speed | 21 days | 30+ days |
| Rates | Slightly higher | Slightly lower |
| Best For | Self-employed, complex income, many properties | W-2 employees, clean tax returns, fewer properties |
When to Choose Each
Choose DSCR If...
- Self-employed or complex income
- Own 5+ properties already
- Want fast 21-day close
- Short-term rental (Airbnb/VRBO)
- Don't want to produce tax returns
Choose Conventional If...
- W-2 employee with clean tax returns
- Buying first 1–4 investment properties
- Rate-sensitive (willing to do extra paperwork for lower rate)
- Strong debt-to-income ratio
Frequently Asked Questions
Not sure which loan fits your situation?
We're licensed California mortgage brokers. Tell us about your property and we'll match you to the right program — DSCR, conventional, or something else.
NMLS #2787839 · CA DRE #01212512 · No credit pull to get started