Proudly serving Ohio & Tennessee
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property mortgage where qualification is based entirely on the rental income the property generates — not the borrower's personal income, tax returns, or employment history.
It is the go-to financing tool for real estate investors who are self-employed, have complex tax situations, or simply want to scale a portfolio beyond the limits of conventional income-based underwriting.
How DSCR Qualification Works
The math is simple. The property pays for itself.
Property Generates Rent
The rental income from the subject property is the primary qualification metric.
DSCR Ratio is Calculated
DSCR = Monthly Gross Rent ÷ Monthly PITIA (principal, interest, taxes, insurance, HOA). A ratio of 1.0+ typically qualifies.
Approval & Close
No income docs, no employment verification. Credit score and property value drive the file. Close in as little as 14 days.
The Formula
DSCR = Monthly Gross Rent ÷ Monthly PITIA
Example: $2,400 rent ÷ $2,000 PITIA = 1.20 DSCR — qualifies easily
Why Investors Choose DSCR
No W-2 or Tax Returns Required
Qualify entirely on the rental income the property generates — your personal income is irrelevant.
LLC & Entity Financing
Take title in your LLC or corporation. Protect your personal assets and scale your portfolio professionally.
Close in as Little as 14 Days
Streamlined approval process with no income verification means faster closings on competitive deals.
Scale Your Portfolio
No limit tied to your personal debt-to-income ratio — grow your rental portfolio without a ceiling.
Short-Term Rentals Eligible
Airbnb and VRBO rental income can qualify. We use market rent or actual lease agreements.
100+ Wholesale Lenders
Through NEXA Mortgage, Kimble shops every investor lender to find the best rate and terms for your deal.
DSCR Loan Program at a Glance
DSCR Loans in Ohio & Tennessee
Ohio Investor Markets
Strong rental demand with favorable price-to-rent ratios across:
Cleveland • Columbus • Akron • Cincinnati • Dayton • Toledo • Hudson • Strongsville
Tennessee Investor Markets
High appreciation and rental income potential across:
Nashville • Memphis • Franklin • Brentwood • Germantown • Knoxville • Murfreesboro • Clarksville
Investor Financing
Let's Run the Numbers on Your Deal
Whether you're acquiring your first rental or adding to a growing portfolio, Kimble will analyze your deal across 100+ investor lenders and find the program with the best terms for your DSCR ratio.
Get Pre-Qualified for a Conventional Loan
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