DSCR (Debt Service Coverage Ratio)
Designed specifically for real estate investors. Qualification is based on the subject property's rental income covering the monthly PITI (Principal, Interest, Taxes, Insurance) debt service rather than personal income documentation.
Real Estate Investors, Landlords & Portfolio Owners
Send Oakley your scenario for a personal review against 300+ wholesale lenders — no application submitted until you say go.
Program at a Glance
- Down Payment
- Often 15%–20%+ (varies)
- Credit Score
- Often 620–660+
- Occupancy
- Investment
- Term
- 30 yr fixed / interest-only options
- Property Type
- 1–4 unit rentals, STR, multifamily
Key Program Highlights & Advantages
No W-2s, paystubs, or personal tax returns required
Focuses on property gross rent vs. mortgage payment ratio
Finance single-family rentals, 2–4 unit multi-family, & short-term Airbnbs
No limit on the number of financed properties for qualified investors
Hold properties under LLCs or corporate entities
Expanded guidelines that may not be available through retail banks
General Qualification Standards
Compare Similar Programs
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| DSCR (Debt Service Coverage Ratio) | Often 15%–20%+ (varies) | Often 620–660+ | Investment | 30 yr fixed / interest-only options |
| Commercial Real Estate Mortgages | Varies by lender & property | Varies by lender/program | Owner-occupied or non-owner | 15–25 yr amortizations common |
| Bridge Loans | Equity-based | Varies (often 640+) | Current home / new purchase | Short-term (≈ 6–12 mo) |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Rates, terms, and program availability are subject to change without notice and depend on borrower qualification and underwriting approval. This is not a commitment to lend. Contact Oakley Pike for current program guidelines.
Ready to Explore DSCR (Debt Service Coverage Ratio)?
Get custom rate quotes and personalized scenario analysis with Oakley Pike.