NMLS #38072(740) 314-5324
HOME  Loans  DSCR

Investors

DSCR Investor Loans

DSCR loans qualify on the property’s rent versus the proposed payment. They are for investment properties, not a primary residence you plan to live in.

Apply for DSCRCall (740) 314-5324

A debt-service coverage ratio loan looks at whether the rent covers the principal, interest, taxes, and insurance at a required ratio. W-2 income is not the whole story. That is why investors use it when personal debt-to-income would kill a conventional investment file.

We see these on small rentals in Steubenville, Newark, Heath, and the surrounding towns. Reserves, credit, and the lease or market rent still matter. This is not a no-doc product.

Pricing and guidelines move. Call the branch before you write an offer so the pre-approval matches the property type.

Who this is for

  • Investors buying or refinancing a rental
  • Borrowers whose personal DTI does not support a conventional investment loan
  • Small multifamily and single-family rentals in our three hubs

How the file runs

  1. Property and rent review before the offer.
  2. Credit, reserves, and entity documents if you are buying in an LLC.
  3. Appraisal, underwrite to the DSCR guideline, and close.

Where we use DSCR

Most DSCR volume is Ohio Valley and Licking County rentals. Tuscarawas one-offs come through the Newark desk.

Questions

Can I live in a DSCR house?
No. These are investment properties. Owner-occupied purchases use FHA, VA, USDA, or conventional.
Do I need tax returns?
Less than a conventional investment file, but you still need credit, reserves, and a rent story that supports the payment.
Can an LLC take the loan?
Often yes. We will tell you which structure the guideline allows before you open title.

Polaris Home Funding Corp. is not acting on behalf of or at the direction of HUD, FHA, USDA, VA, or the federal government. Program rules change. We confirm eligibility on the file.

Start here

Start a DSCR application

Start the official application, call the branch, or leave a name. Someone calls back.

Start ApplicationCall (740) 314-5324

Inquiry

Name, phone, email.

No application. No credit pull.

Inquiry

help

help

help

Updated: 11/10/26