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DSCR vs Conventional Loans: Which is Better for Rental Properties?

DSCR loans vs conventional loans comparison for real estate investors showing rental income qualification vs personal income mortgage requirements

Trying to decide between a DSCR loan and a conventional mortgage? This guide breaks down the key differences so real estate investors can choose the right financing based on cash flow, income, and long-term growth goals.

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Content Copyright 2026 Crestmark Lending – DSCR Loan Specialists. Crestmark Lending LLC is the parent company of Lone Star Financing, a residential mortgage broker.

Crestmark Lending NMLS: 2789535

1560 E Southlake Blvd., Suite 100

Southlake, TX 76092

Request a DSCR Refinance Quote

We’ll review your scenario and contact you with available financing options.

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Contact Info

Property Details

Current Loan Info

Refinance Goals

Borrower Profile

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Request a DSCR Purchase Quote

We’ll review your scenario and contact you with available financing options.

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This field is for validation purposes and should be left unchanged.

Contact Info

Property Details

Current Loan Info

Refinance Goals

Borrower Profile

Consent

Get Started – Quick Rate Quote

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Rate Assumptions

 

Mortgage Rate Assumptions

* Rates shown assume a purchase transaction.
* Annual Percentage Rate (APR) calculations assume a purchase transaction of a single-family, detached, owner-occupied primary residence; a loan-to-value ratio of less than 80% for conventional loans; a minimum FICO score of 740; and a loan amount of $300,000 for conforming loans, unless otherwise specified.
* Annual Percentage Rate (APR) calculations assume a purchase transaction.
* Rates may be higher for loan amounts under $300,000. Please call for details.
* Rates are subject to change without notice.
* Closing Costs assume that borrower will escrow monthly property tax and insurance payments.
* Subject to underwriter approval; not all applicants will be approved.
* Fees and charges apply.
* Payments do not include taxes and insurance.
* Assumes – 30 Day Rate Lock.
* Rates based on Texas property.
* Mortgage insurance is not included in the payment quoted. Mortgage insurance will be required for all FHA, VA and USDA loans as well as conventional loans where the loan to value is greater than 80%.
* Restrictions may apply.
* Lender Fees & Appraisal Fees may apply