DSCR Loans:

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 DSCR is calculated by dividing the property’s gross monthly rental income by its total monthly mortgage payment (principal, interest, taxes, insurance, and association fees if applicable). For example, if the rent is $2,000 and the mortgage payment is $1,600, the DSCR is 1.25. A DSCR of 1.0 means the property breaks even; most lenders prefer a ratio of 1.0 or higher. 

 These loans are ideal for real estate investors, self-employed individuals, or anyone with complicated income structures who want to finance rental (or personal) properties. If the property appraises & is shown to be able to cash flow, you may qualify—even without traditional income documentation. 

 Yes. One of the biggest advantages of DSCR loans is the ability to purchase in your personal name or through an LLC, which can be beneficial for asset protection and tax planning. 

 Yes. Many lenders will accept short-term rental income as long as you can document it properly (usually with rental history or market rental projections). Commonly it's easier to get a ratio that will pass appraisal with the intention to rent it as a STR.