Side by side
| DSCR Loan | Bank Statement Loan | |
|---|---|---|
| Qualifies on | Property rent | Your deposits |
| Occupancy | Investment only | Any |
| DTI calculated | No | Yes |
| LLC vesting | Yes | Usually no |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Explore each option
Investment property
DSCR Loans
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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Self-employedBank Statement Loans
A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.
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