DSCR Loan

A DSCR (Debt Service Coverage Ratio) loan is an investor-focused mortgage qualified on the property's cash flow instead of the borrower's W-2 or tax returns. The lender calculates monthly rental income divided by monthly PITI (principal, interest, taxes, insurance) — the DSCR. A DSCR of 1.0 means the property breaks even; 1.25+ is typical for approval.

DSCR loans let real estate investors scale without being capped by personal DTI limits, and work particularly well for self-employed investors, those scaling beyond the 10-property Fannie/Freddie cap, or anyone preserving personal debt capacity for other uses.

Why it matters for Milo customers

Milo offers DSCR financing for crypto investors building rental portfolios. DSCR qualification lets self-employed and crypto-wealthy investors scale up without W-2 income — the property's rent does the qualifying.

Related terms

Investment Property MortgageNon-QM LoanDebt-to-Income Ratio (DTI)Portfolio Lender
Down PaymentEarnest Money Deposit

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545 NW 26th Street, Suite 200
Miami, FL 33127

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Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-128284. Not available in all states. Equal Housing Lender. NMLS Consumer Access

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