DSCR loans for investors

Reviewed November 11, 2026. General information only — not legal, tax, insurance, or financial advice, and not a commitment to lend.

If you are buying a rental or other investment property, a DSCR (debt-service-coverage-ratio) loan may be a better fit than an owner-occupied mortgage. This page is a short starter, not a full underwriting manual, and it is not a commitment to lend.

Start a DSCR application with Dion Link, NMLS 898761, Link Lending NMLS 2723931. In the application, identify the property as an investment and the state where it is located. Starting an application is not a rate lock or an approval. Terms depend on the property, investor guidelines, and underwriting.

Geographic scope (read this first)

• DSCR investor loans from Dion Link, NMLS 898761, with Link Lending, NMLS 2723931, may be originated in almost every U.S. state, subject to licensing, investor guidelines, occupancy, and property eligibility. “Almost every state” is not a promise that a specific address, property type, or condominium project will qualify.
• All other loan products discussed on Florida True Cost—including primary-residence purchase loans and public assistance programs such as Hometown Heroes and Lakeland Home Purchase Assistance—are Florida only.

If you are buying a home to live in in Florida, start with the true monthly cost worksheet and a Florida mortgage application. If you are buying an investment property in Florida or in another state, use this page and tell the application that the occupancy is investment.

What “DSCR” means in practice

A DSCR loan typically looks at whether the property’s expected rental income covers the debt service on that property—commonly principal, interest, taxes, insurance, and association fees when they apply—rather than qualifying you the same way a primary-residence loan would on personal debt-to-income.

That is why the true monthly cost worksheet still matters for investors. Insurance, flood coverage, taxes, HOA or condo fees, and special assessments change the ratio just as they change an owner-occupant’s budget. This page does not publish a minimum DSCR, a maximum loan-to-value, or a rate. Those figures depend on the investor guidelines in effect for the file and must come from a written quote or Loan Estimate on a specific property.

DSCR loans are for investment properties. They are not a workaround for Florida Hometown Heroes, City of Lakeland assistance, or other owner-occupied programs, and those programs should not be used for a house you do not intend to occupy as required.

How to start

Start a DSCR application with Dion Link at applywithdion.my1003app.com/register. In the application, identify the property as an investment and the state where it is located.

If you only have a general question first, you may use the optional pre-qualification form and select DSCR / investment as the program interest. That on-site form is a secondary option, it is not an approval, and it works by email.

Insurance is a separate service and is not required to obtain a DSCR or any other loan. If the investment property is in Florida and you want flood coverage, you may get a flood quote from Dion through Links Insurance Co. For home, wind, auto, or renters comparison, use the The Zebra placeholder (partner link not live yet). Out-of-state insurance is not offered on those forms unless and until a license in that state is disclosed here.

Sources and limits of this stub

This page describes product geography and a plain-English definition of DSCR lending. It does not cite a secondary-market term sheet because investor guidelines change and are loan-specific. For Florida property-cost lines, use the official sources listed in the true monthly cost worksheet.