It’s not about what you make — it’s about what your property makes.

If you’re a real estate investor — especially one who writes off expenses, owns multiple properties, or earns income outside of W-2s — traditional mortgages can feel like trying to fit a square peg into a round hole.

👉 That’s why more investors are turning to DSCR loans: a mortgage option that qualifies you based on rental income, not your personal income.

Here’s how DSCR loans compare to conventional financing — and why many serious investors are choosing cash flow over tax returns.

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📊 Income Qualification: The Biggest Difference

Loan Type	How You Qualify
Traditional Mortgage	Personal income (W-2s, tax returns, pay stubs)
DSCR Loan	Rental income from the property

💡 With DSCR, your ability to repay is based on how the property performs — not what you make on paper.

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❌ The Problem With Traditional Loans for Investors

Even high-net-worth or cash-rich investors get turned down for conventional loans because:

• They write off too much income for tax strategy
• They own more than 10 financed properties
• They can’t verify income using traditional docs
• They’re self-employed, retired, or in a cash-only business
• They have short-term rental income that’s hard to document

📘 Sound familiar? You’re not alone — and it’s why DSCR exists.

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✅ DSCR Loans Solve These Problems

• No personal income documentation
• No tax returns
• No DTI calculations
• No cap on total property count
• Options for short-term and long-term rentals
• Eligible for LLCs or personal names

If the rental income covers the mortgage — you’re in business.

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🧠 Example Scenario

Let’s say you own a few properties, write off expenses, and only show $20k in adjusted income.

Traditional Loan:

• Denied or limited to 1–2 more properties
• Heavy paperwork and scrutiny

DSCR Loan:

• Approved based on property’s income
• Fast, clean, and scalable

✅ The more performing properties you buy, the more your portfolio can qualify itself.

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💵 What About Rates and Terms?

DSCR loans do typically have:

• Slightly higher interest rates than conventional
• 20–25% down payment requirements
• DSCR ratio minimums (typically 1.0+)

But for many investors, the time saved, portfolio growth potential, and cash-flow-first model make it more than worth it.

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🔄 Refi, Cash-Out, and Scaling

With DSCR, you can:

• Refinance into better terms
• Cash out equity to reinvest
• Buy with no W-2s or tax docs
• Scale beyond 10 properties with ease

📘 Many investors use DSCR loans as part of a BRRRR strategy or to reposition their portfolio while optimizing taxes.

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🏢 Why PRMI?

We help real estate investors:

• Understand their DSCR vs. Conventional options
• Choose the loan structure that fits their long-term goals
• Close faster with in-house DSCR specialists
• Avoid income traps and underwriter confusion

Whether you’re buying your first property or your fifteenth, we’ll help you choose strategy over paperwork.

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👇 Want to See Whether DSCR or Traditional Financing Is Better for Your Next Deal?

Let’s compare your options side by side — and structure the path that helps you scale smarter.