DSCR mortgages are grabbing the spotlight. They’ll gain speed in 2026
Summary
DSCR (Debt-Service-Coverage Ratio) loans, which qualify borrowers for investment properties based on expected rental income, are gaining popularity, and are expected to continue growing. This trend is driven by a high-rate environment, the rise of nontraditional income, and the interest of institutional investors. Hosts who might be looking to invest in more properties should consider this new financing option.
Key Insights
- •Non-QM securitization volume hit a record high in 2025, with DSCR loans comprising roughly 30% of that volume.
- •DSCR loans are expected to increase in both size and share of the non-QM market in 2026.
Action Items
- ✓Hosts looking to expand their portfolio of properties can research DSCR loans as a potential financing option.Effort: mediumImpact: medium
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