No Ratio and No Income DSCR Loan Guide

Last updated October 14, 2026

If you want the program details in one place, start with my no ratio and no income DSCR loans page. Here's how it works and who it fits.

What is a no ratio mortgage?

A standard DSCR loan compares the rent to the payment. A no ratio loan drops that test, so a property can still work when today's rent runs below the payment. You still need credit, a down payment and reserves.

Can I really get a loan with no income?

Yes, on a rental. A no income DSCR loan has no tax returns, no W-2s, no pay stubs and no employment section. The lender looks at the property, your credit and your assets. I see this fit retirees, investors between jobs, and people who simply don't want their personal income in the file.

How does an interest only DSCR loan help?

Some DSCR programs I work with offer an interest only period. The early payment is lower, which can help the rent cover it. Later the payment rises to include principal, so I show you both numbers before you choose.

Where can I use it?

Investment property only, in 37 states. I don't do DSCR in California or Rhode Island, and Montana is LLC only.

Where to go from here

My no ratio and no income DSCR loans page has the full rundown, and the qualify quiz tells you in two minutes if it's worth a call.

FAQ

Can I get a DSCR loan with no income?

Yes. A DSCR loan qualifies on the property, so no personal income goes on the application. Not everyone will qualify.

What is a no ratio DSCR loan?

It's a DSCR loan where the rent doesn't have to cover the payment. Credit, down payment and reserves carry more weight.

Do no ratio loans need more down?

Usually yes. Expect a larger down payment and more reserves than a standard DSCR loan.

Is an interest only DSCR loan a good idea?

It can be when early cash flow is tight. Plan for the higher payment later.

Can I live in the property?

No. These loans are for investment and rental property only.

Ready for the next step? Take my 2 minute qualify quiz, run the numbers on my DSCR calculator, send me your scenario through the contact form, or apply now. You can also text me at (207) 615-7770 or email Travis@travis.mortgage.

Travis Penny