DSCR Loan Qualification Tips for Investment Property Buyers in Arizona
Arizona’s real estate market is growing fast. Many investors want to know how to qualify for DSCR loans for investment properties in Arizona. This loan type helps buyers use rental income to get approved without relying on personal tax returns.
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. It means lenders check if your rental income covers your mortgage payments.
If rents cover the loan, you’re likely to qualify.
Why Arizona Investors Use DSCR Loans
Popular cities like Phoenix, Tucson, and Scottsdale
No W-2s or tax returns required
Works well for single-family homes, duplexes, and small multi-family units
Great for first-time and experienced investors alike
Arizona DSCR Loan Requirements
Minimum DSCR usually between 1.0 and 1.25
Credit score: 620 or higher
Down payment: 20% or more
Loan amounts: $100,000 to $2 million+
Eligible properties: Single-family, duplex, triplex, and fourplex
Top Arizona Cities for DSCR Loan Investors
Phoenix: Large market with strong rental demand
Tucson: Affordable housing and steady renters
Scottsdale: Upscale neighborhoods with rental opportunities
How to Qualify for DSCR Loans in Arizona
Provide detailed rental income documents like leases and rent rolls. Showing consistent rent payments improves your chances.
