Conventional investment property loans qualify the borrower — they want your tax returns, your W-2s, your debt-to-income ratio. That works for one or two properties. By property number five, even high-earning investors hit DTI walls and conventional lenders stop saying yes.

DSCR loans qualify the property instead. We look at whether the property’s rental income covers the proposed debt service (usually 1.0x or higher). If the deal pencils, the loan is approvable. No income docs, no tax returns, no DTI calculation. It is the structure most serious buy-and-hold investors use to scale beyond conventional limits.