The easiest way to qualify for investment property loans. These DSCR loans don't look at your income or DTI. Closing in an LLC, they don't report to your personal credit. Instead, they look at the projected income of the asset. Cash-out and purchase up to 80% LTV Rates starting at 6.99 These rates are typically 1-2% higher than conventional, and require a DSCR of 1.0+. DSCR means debt-service coverage ratio (ie the income versus the cost of the loan). These loans require 6-12 months PITIA reserves, not escrowed.