Mortgage Myth #14: You Can’t Buy an Investment Property Without Income

That’s not the case — and it’s keeping a lot of potential investors on the sidelines.

The Reality: The Property’s Income Can Qualify You

With Debt Service Coverage Ratio (DSCR) loans, the lender qualifies you based on the property’s ability to pay for itself — not your personal income.

Here’s how it works:

• The lender calculates the market rent for the property (from an appraiser’s rent schedule or a signed lease).
• They compare that to your monthly mortgage payment (PITI).
• If the rent meets or exceeds the payment (DSCR ≥ 1.0), you can qualify — even with no traditional income, but we do have options that go as low as 0.8% for the DSCR, too!

Why DSCR Loans Are a Game-Changer

For self-employed entrepreneurs, early retirees, or those between jobs, DSCR loans open doors:

• No tax returns required
• No W-2s or pay stubs needed
• Qualify based on cash flow potential of the property
• Close in as little as 3–4 weeks in many cases

Who This Helps Most

• Full-time investors growing their portfolio
• First-time investors buying a rental for passive income
• Buyers with strong assets but no documented income
• Business owners keeping cash flow inside their companies

Bottom Line

You don’t need a paycheck to become a landlord. If the property pays for itself on paper, you can start building long-term wealth through real estate today.

What's Next?

Contact Me to get your Real Affordability Game Plan — and let’s find your next cash-flowing property.