If you've been turned down for a rental property mortgage because your tax returns don't "show enough income" — even though the property itself cash flows just fine — a DSCR loan was built for exactly that problem. DSCR stands for Debt Service Coverage Ratio. It's a type of investment property loan that qualifies you based on what the property earns, not what you earn. No W-2s. No tax returns. No debt-to-income calculations. Just one question: does the rental income cover the