{"specialty":{"slug":"dscr","category":"loan_program","label":"DSCR loan","description":"An investor loan qualified on the property's rental income (debt service coverage ratio) rather than personal income.","synonyms":["dscr","debt service coverage","debt service coverage ratio","rental income loan","investor loan no income"],"why_hard":"Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.","questions_to_ask":["What minimum DSCR do you require, and how do you calculate rent?","Can I close in an LLC?","What prepayment penalty options do you offer?"],"canonical_url":"https://lendb.ai/s/dscr","api_url":"https://lendb.ai/api/v1/specialties/dscr"}}