| DSCR Loans in Arizona
Investor-Focused Financing with Team CD at Fairway Home Mortgage
Arizona continues to be one of the strongest real estate investment markets in the country. Whether you’re purchasing a long-term rental, short-term vacation property, or refinancing an existing investment, a DSCR loan (Debt Service Coverage Ratio loan) offers a powerful alternative to traditional income-based financing.
Team CD at Fairway Home Mortgage helps Arizona real estate investors qualify based on property cash flow—not personal income—making DSCR loans ideal for experienced and growing investors.
What Is a DSCR Loan?
A DSCR loan is an investment property mortgage that qualifies borrowers based on the property’s Debt Service Coverage Ratio, rather than tax returns, W-2s, or personal income documentation.
DSCR is calculated by dividing the monthly rental income by the monthly housing payment (principal, interest, taxes, insurance, and HOA if applicable).
DSCR ≥ 1.00 → Property covers or exceeds the mortgage payment
DSCR < 1.00 → Some programs may still be available with adjustments
This makes DSCR loans especially attractive for self-employed investors, high-income earners with write-offs, or portfolio landlords.
Why Arizona Investors Use DSCR Loans
Arizona cities like Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Flagstaff, and Tucson continue to attract renters, short-term visitors, and long-term growth.
DSCR loans are ideal for:
Long-term rental properties
Short-term rentals (Airbnb / vacation homes – where allowed)
Single-family rentals (SFRs)
2–4 unit properties
Condos and townhomes (program dependent)
DSCR Loan Highlights
No personal income verification required
No tax returns, W-2s, or pay stubs
Qualify based on rental income and cash flow
Available for purchase or refinance
Cash-out refinance options available
Fixed-rate and adjustable-rate mortgage options
Titles can be held in LLCs or business entities
Multiple properties allowed (program dependent)
DSCR Purchase Loans in Arizona
Use a DSCR loan to purchase an investment property while keeping your personal debt-to-income ratio untouched. These loans are ideal for investors scaling their portfolios without traditional lending limitations.
DSCR Refinance & Cash-Out Options
Already own an Arizona investment property?
A DSCR refinance can help you:
Lower your interest rate
Improve cash flow
Pull equity out to reinvest in additional properties
Consolidate multiple investment loans
DSCR Loan Requirements (General Guidelines)
While guidelines vary, typical DSCR loan criteria include:
Minimum credit score: often 620–680+
Down payment: typically 20–25%
Property must be income-producing
Appraisal with market rent analysis
Reserves may be required
Our team will walk you through available programs and structure the loan to best fit your investment goals.
DSCR LOAN FAQs
Do I need to show personal income for a DSCR loan?
No. DSCR loans are primarily based on the property’s rental income, not your personal tax returns or employment.
Can I use a DSCR loan for short-term rentals?
Yes, many DSCR programs allow short-term rentals, depending on zoning, local regulations, and lender guidelines. Arizona markets with strong STR demand often qualify.
Can I close a DSCR loan in an LLC?
Yes. Many DSCR loans allow properties to be titled in an LLC or business entity, making them ideal for professional investors.
For current rates, and a side-by-side scenario, contact us at (602) 858-6293
Why Choose Team CD at Fairway Home Mortgage?
Deep expertise in Arizona investment lending
Access to multiple DSCR and non-QM programs
Strategic guidance for scaling rental portfolios
Clear communication and investor-focused execution
Whether you’re buying your first rental or expanding a large portfolio, Team CD delivers DSCR solutions designed for real-world investors.
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WHAT OUR CLIENTS SAY
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Contact Info
Location
11811 N Tatum Blvd Suite 2700
Phoenix, Arizona 85028
We’re here to help you with all your healthcare needs.
Reach out to us anytime—our friendly team is ready to assist you with appointments, inquiries, and guidance.
Phone
Loan Officers
Craig Gallegos NMLS# 447602
Dawn Buxton NMLS# 308905
Corporate Address:
11811 N Tatum Blvd, Suite 2700
Phoenix, Arizona 85028
Copyright © 2026 Fairway Independent Mortgage Corporation doing business as Fairway Home Mortgage. NMLS#2289. 4750 S. Biltmore Lane, Madison, WI 53718, 1-866-912-4800. All rights reserved. Fairway is not affiliated with any government agencies. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Equal Housing Opportunity. Arizona Mortgage Banker License No. 0904162. Dawn Buxton NMLS 308905 | Craig Gallegos NMLS 447602 Complaints may be directed to: (877) 699-0353 or Email us: [email protected]. Licensed by the Department of Business Oversight under the California Finance Lenders Law. Loans made or arranged pursuant to a California Finance Lenders Law License. Licensed Nevada Mortgage Lender NMLS #2289 Craig Steven Gallegos MLO# 447602 Dawn Marie Buxton MLO#308905. Office Phone 480-626-2202