You own rental properties that cash flow. Your income statement doesn’t capture how strong you really are. DSCR Loan qualifies you on what your property actually makes.
A DSCR loan, or Debt Service Coverage Ratio loan, is designed for real estate investors. Instead of qualifying based on personal income, approval is based on the property’s rental income relative to the mortgage payment, making it ideal for investors building or expanding a rental portfolio.
You don’t fit the box. Your W2 income is low. Your rental income is strong. Traditional lenders see a risk because they can’t read your actual cash flow. DSCR Loan flips the question. We look at what your property produces each month. Your cash flow covers your debt. That’s what matters. We shop the best terms across multiple lenders. You see what each one costs.
Last 12 months of rental income, operating expenses, and current debt. We pull what we need.
Net operating income divided by debt service. We show you what lenders actually see and what ratio you hit.
Different lenders have different DSCR thresholds. We find the best terms for your specific ratio and property type.
Lock your rate, close the loan, and use the same process for your next property. No W2 required.
DSCR loans are powerful for investors, but they only make sense when the property cash flow, purchase price, and portfolio strategy line up. We review the numbers, explain the tradeoffs, and show you whether a DSCR loan supports your goals today.
One advisor stays with your file from initial DSCR screening through closing.
No urgency tactics—just honest guidance on rates, cash flow, and timing.
We explain rent coverage, LTV, seasoning, and how lender rules affect your deal.
We model rent, expenses, and debt service so you can see the real impact on the deal.
People consistently say the same things: it finally felt straightforward, they understood their options, and they weren’t treated like a number.
Just completed our refinance and it was a breeze! Megan and Jacquie are an amazing team! They are smart, hardworking, caring and knowledgeable!…
Olga G.
I had a truly wonderful experience working with HappyDog. From the very beginning, the team was professional, helpful, and prompt in guiding me through…
Jenny U.
If I could give Marci and Tori 10 stars I would! They were so friendly and easy to talk to. You can tell they enjoy helping people and that’s what makes them so good at their job!
RyAnn G.
Mike McKee, excellent service. His patience helped me to walk through the homebuying process with ease. He was available whenever I contacted him…
Althea O.
Great experience overall! Jason always kept us up to date and communicated regularly and is very good about replying quickly to questions.
AD A.
OMG!!! Mike Mckee is phenomenal…I worked with him for almost 2yrs..I had lots of issues prior to opening and he continued to reach out to me and stay in contact…
Valerie S.
HappyDog was easy to work with and highly responsive during our escrow process. I highly recommend them.
Taylor M.
Mike McKee’s professionalism and efficiency are truly impressive. He seamlessly guides clients through the lending process with his expertise…
Edward K.
Tori was amazing! She was providing several options for our budget for us to review and explained pros and cons with each option…
Rio B.
We can’t say thank you enough to vinnie, Lisa, and the whole team at happydog home loans! They made the whole process simple and straight forward…
Mariah H.
We had an absolutely amazing experience working with Happy Dog Lending while buying our first home! As first-time buyers, we had a lot of questions…
Ursula T.
Great response time, easy formatting and uploading documents. Always kind in our interactions VERY patient…
David B.
DSCR Loan qualifies you on property cash flow. Here’s what you should know.
It’s how much monthly cash your property generates versus how much debt it carries. 1.0 means cash flow equals your mortgage. 1.25 means you’re generating extra cushion. Most lenders want to see 1.2 or higher.
No. Your property income is your employment. We look at actual cash flow and reserves.
Depends on the lender. Some will use pro forma statements if you have a lease signed. Some want you to own and operate for a few months first. We’ll be clear on which lenders work for your timeline.
That matters. We need to show consistent cash flow. A gap helps if you have reserves or other rental income. We work through it.
No hard cap. Each property is evaluated on its own cash flow. If the numbers work, the loan works. We help you scale your portfolio one property at a time.
No tax returns. No W-2s. Just rental cash flow and a broker who knows how to present it. ChooseHappy
