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West Ridge Financial

Rental income · Loan guide

DSCR investor loans.Built for how you earn.

Qualify on the rent the property earns—not your personal income or tax returns.

Get my DSCR loan quote Estimate what you can afford
  • PurchaseYour first home or your next
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The essentials

How this loan works.

A debt service coverage ratio (DSCR) loan qualifies an investment property based on its rental income compared with the full payment, including taxes, insurance, and HOA dues. Your personal income and tax returns usually aren’t used to qualify.

DSCR loans are for investment properties only, including many long-term and short-term rentals. Expect a larger down payment and higher rate than an owner-occupied loan. They can work well for growing a portfolio or for investors whose tax returns don’t show their full income.

Estimate what you can afford
Mike Larsen, founder of West Ridge Financial

Personal from the start

Your questions.
A real conversation.

You don’t need to have it all figured out. Tell Mike what you have in mind, and explore the options together.

(801) 971-3956

Program availability, terms, and eligibility depend on the lender, the property, and your complete application. This overview is general education, not a commitment to lend.