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FORGE does not originate loans, underwrite, quote rates, or guarantee terms. This page is a directory for information only. All terms are provider-claimed unless marked otherwise — verify independently via NMLS Consumer Access (external).

DSCR loan providers

DSCR (debt service coverage ratio) loans let investment-property buyers qualify on the property's rent — usually with no tax returns required. Below: what DSCR means, an illustrative calculator, and lenders who offer these loans.

What is a DSCR loan?

DSCR stands for debt service coverage ratio. It answers one question: does the property's rent cover its mortgage payment?

The ratio: monthly rent ÷ monthly housing payment (principal, interest, taxes, insurance, HOA). A ratio of 1.20x means the rent covers the payment 1.2 times over.

How lenders use it: instead of asking for your pay stubs and tax returns, a DSCR lender looks at whether the property pays for itself. Many set a minimum ratio — commonly around 1.0x to 1.25x — but every lender defines the inputs differently. Some use market rent, some use actual rent, some subtract a vacancy allowance first.

What properties qualify: typically 1-unit through 10+ unit investment properties. Most DSCR loans are for non-owner-occupied (investment) properties only — not your primary home.

What it is not: a DSCR loan is still a real mortgage with real underwriting. Lenders still check credit, reserves, and the property itself. A good ratio helps; it does not guarantee approval anywhere.

Why this matters on FORGE: because DSCR loans qualify on the property instead of your personal income, they are the natural financing tool for buy-and-hold investors — the people FORGE is built for. This directory exists so you can find providers without hunting across a dozen lender sites.

Illustrative DSCR calculator

Illustrative DSCR calculator

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Provider directory

List your company

Listed alphabetically — order implies no endorsement or ranking. Fields marked provider-claimed come from the lender, not from FORGE.

3 providers.

CoreVest Finance

NMLS: 1627183 Verify on NMLS Consumer Access (external)

Identity review: identity-confirmed · reviewed 10/15/2026 · provider confirmed 10/15/2026

States: CA, TX, FL, NY, NJ, AZ, CO, WA, OR, UT, GA, NC, SC, TN, VA, MD, PA, OH, IL, MI, MN, WI, MO, KS, OK, AR, LA, MS, AL, KY, IN, IA, NE, NM, MT, WY, ME, NH, VT, MA, CT, RI, DE, DC, HIprovider-claimed

Loan size: $75,000 – $2,000,000provider-claimed

Property types: SFR, 2-4 unitprovider-claimed

Transactions: purchase, rate-term refinance, cash-out refinanceprovider-claimed

Min DSCR: 1.00xprovider-claimed

Max LTV: 80%provider-claimed

Restrictions: Investment-only; commercial business-purpose loansprovider-claimed

Terms as of 10/15/2026.

Visit lender site (external)

844.223.7496 · info@corevestfinance.comprovider-claimed

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Lima One Capital

NMLS: 1324403 Verify on NMLS Consumer Access (external)

Identity review: identity-confirmed · reviewed 10/15/2026 · provider confirmed 10/15/2026

States: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WYprovider-claimed

Loan size: $75,000 – $10,000,000provider-claimed

Property types: SFR, 2-4 unit, 5+ unitprovider-claimed

Transactions: purchase, rate-term refinance, cash-out refinanceprovider-claimed

Min DSCR: 1.00xprovider-claimed

Max LTV: 80%provider-claimed

Restrictions: Investment-onlyprovider-claimed

Terms as of 10/15/2026.

Visit lender site (external)

800.390.4212 · hello@limaone.comprovider-claimed

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Visio Lending

NMLS: 1935590 Verify on NMLS Consumer Access (external)

Identity review: identity-confirmed · reviewed 10/15/2026 · provider confirmed 10/15/2026

States: TX, CA, AZ, FL, GA, NC, SC, TN, CO, NV, WA, OR, OH, PA, VA, MD, NJ, NY, IL, MI, MN, WI, MO, KS, OK, AR, LA, MS, AL, KY, IN, IA, NE, UT, ID, MT, NM, NH, ME, VT, MA, CT, RI, DE, DCprovider-claimed

Loan size: $100,000 – $5,000,000provider-claimed

Property types: SFR, 2-4 unit, 5+ unitprovider-claimed

Transactions: purchase, rate-term refinance, cash-out refinanceprovider-claimed

Min DSCR: 1.00xprovider-claimed

Max LTV: 80%provider-claimed

Restrictions: Investment-only; LLC borrowers allowedprovider-claimed

Terms as of 10/15/2026.

Visit lender site (external)

888.521.0353provider-claimed

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Before you borrow

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