DSCR vs. Conventional: Which Fits Your Next Rental?
Conventional loans underwrite you; DSCR loans underwrite the property. For investors—especially the self-employed or anyone past the conventional property-count limit—that difference is the whole game.
When DSCR wins
You're self-employed and your tax returns understate your real income. You already have several financed properties and have hit conventional caps. You're buying in an LLC. You want to move fast without an employment-verification paper chase. In all of these, DSCR is usually the cleaner path.
The trade-offs
DSCR rates sit modestly above conventional owner-occupied pricing—you're paying for flexibility and speed. But for a cash-flowing rental held in an entity, the ability to scale without personal-income underwriting almost always outweighs the spread.
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