DSCR loan<\/strong><\/a> (Debt Service Coverage Ratio loan) is a type of mortgage designed for people buying rental properties, whether short-term (like Airbnb) or long-term (like traditional rentals). Instead of using your personal income or job history to qualify, the lender looks at how much rental income the property is expected to make.<\/p>\nThe DSCR<\/strong> is a number that shows if the property’s income can cover the loan payments. It\u2019s calculated by dividing the property’s income (after expenses) by the loan payment. If the number is 1 or higher, it means the property earns enough to pay the mortgage.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t