A 30-Year DSCR (Debt Service Coverage Ratio) loan is one of the most flexible and investor-friendly ways to finance rental properties. Instead of relying on tax returns, W-2s, or personal income verification, DSCR loans qualify primarily based on the property’s ability to generate rental income. This makes them ideal for experienced investors, self-employed borrowers, and anyone building long-term cash-flow portfolios.
With West Johnson Lending, you get a fully amortized 30-year fixed rate option, minimal documentation, and a fast underwriting process designed around real investment timelines. Our DSCR program works for short-term rentals, long-term rentals, single-family homes, multifamily properties, condos, and new acquisitions.
Whether you’re refinancing out of a flip, improving monthly cash flow, or expanding your real estate holdings, our DSCR solutions give you the stability, speed, and certainty you need to scale confidently.
DSCR loans allow investors to qualify based on the projected or actual rental income of the property. This makes them ideal for full-time investors, self-employed borrowers, or anyone whose tax returns don’t reflect their true earning potential.
Instead of verifying income, employment, or DTI, DSCR lenders focus on the property’s ability to repay the loan. West Johnson Lending structures each loan with flexible terms, competitive rates, and a quick approval process designed around investors — not banks.
Our 30-Year Fixed DSCR program is built to support long-term rental strategies while offering the stability of a fully amortized mortgage.
Key highlights include:
Your Debt Service Coverage Ratio compares the property’s monthly income to its monthly housing expenses.
A DSCR of 1.0 or higher generally means the rental income covers the mortgage payment and associated expenses. Higher DSCR ratios may qualify for stronger pricing and terms.
Even properties with lower DSCR ratios may still qualify through flexible underwriting options offered by West Johnson Lending.
Submit your deal or connect with our lending team to get fast, straightforward approval from a true direct lender—no brokers, no delays, and no monthly payments during your project.
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