Grow Your Portfolio With DSCR Loans DSCR (debt service coverage ratio) loans are evaluated based on the property's rental income, not the candidate's personal revenue. So your portfolio's development isn't constrained by your personal income and there's no limit to number of properties you can own. Approval is faster and easier too because there's no painful personal income confirmation. You can close in an LLC with just 20% down-- even making use of short term rental income.