DSCR Loans How to Get the Best Rates, Qualify in 2026

How are real estate investors still buying rental properties in 2026 with DSCR Loans.

In this video, I break down DSCR loans, also known as Debt Service Coverage Ratio loans, and explain how investors are using them to buy rental properties without qualifying through traditional income, tax returns, W-2s, or pay stubs.

A DSCR loan is different from a conventional mortgage because the lender focuses more on the rental income of the property instead of your personal debt-to-income ratio. If the property can cover the mortgage payment, taxes, insurance, and HOA, then the deal may qualify.

In this video, I cover:
- What a DSCR loan is
- How DSCR loans work
- DSCR loan requirements in 2026
- DSCR loan interest rates
- DSCR down payments
- Residential vs commercial DSCR loans
- DSCR loan points and origination fees
- Prepayment penalties
- Pros and cons for real estate investors

If you are looking at buying an investment property, rental property, Airbnb, duplex, small multifamily, or commercial real estate, this video will help you understand whether a DSCR loan makes sense.

Have questions about DSCR loans or rental property financing? Drop them in the comments. I answer everybody.

----------------------------------
Chapters:

00:00 Introduction
01:03 What is a DSCR loan?
01:16 DSCR Loan Example: Rent vs Mortgage Payment
01:51 Who DSCR Loans Are For
02:56 DSCR Loan Requirements
03:40 DSCR Loan Rates in 2026
05:06 Residential vs Commercial DSCR Loans
06:17 DSCR Loan Points and Fees
07:33 Advantages of DSCR Loans
08:39 Disadvantages of DSCR Loans
10:17 Final Thoughts on DSCR Loans

-----------------------------------

Licensed Mortgage Broker in Georgia, Florida, Texas and South Carolina.
NMLS ID#988935
Company NMLS ID# 2187991

Find us online at www.andesmortgage.com

Want to learn more about real estate, strategies and tips?

Check out my channel:

https://www.youtube.com/@mr.mortgage101

For questions, inquiries, email me at: marcos@andesmortgage.com

Find me on IG: https://www.instagram.com/mr.mortgage101

More on our website: www.andesmortgage.com

Book a call with me: https://calendly.com/andesmortgage/1-1
DISCLAIMER: The information contained on this video is not intended as, and shall not be understood or construed as, financial advice or a quote of any kind.

Видео DSCR Loans How to Get the Best Rates, Qualify in 2026 канала Mr.Mortgage101