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Can a first-time investor get a DSCR loan?

Short answerYes. Many DSCR lenders do not require landlord experience, though some limit loan-to-value or add a small pricing adjustment for first-time investors.

Reviewed by Juan Fernando Romero, NMLS 2557318Updated October 14, 2026

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A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

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