DSCR Loans for Rental Investors in Maryland

A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property mainly on its rental income compared with its payment, instead of your personal income.

What DSCR means

The ratio compares the property's rental income with its monthly debt payment. A higher ratio generally gives a lender more comfort.

Who it may suit

Self-employed investors, or buyers whose tax returns do not show their full earning picture. Details on our DSCR loan page.

Before you buy

Estimate rent, taxes, insurance and any HOA dues. Availability and terms vary, so ask Chris what is currently offered.

FAQ

Do I need to show personal income?

DSCR loans focus on the property's income, though credit and reserves still apply.

Can I use it for a home I live in?

No. DSCR loans are designed for investment properties.

Helpful Resources

• CFPB: Owning a Home

Related: Conventional Loans | Programs | Mortgage Loans in Carroll County, MD

Chris Nieberlein NMLS #313519 | Bay Capital Mortgage Corp. NMLS #39610 | Equal Housing Lender. General information, not a commitment to lend. Terms and eligibility vary and are subject to credit approval and underwriting.