Debt Service Coverage Ratio (DSCR) is a financial metric used by lenders to evaluate a borrower’s ability to pay back a loan. In order to qualify for a DSCR loan, borrowers typically need to meet the following criteria: It’s worth noting that the specific requirements for a DSCR loan may vary depending on the lender and that other factors like the type of loan and the industry the borrower is in can also play a role in the loan approval process. As always, it’s a good idea to check with the lender directly to find out what their specific requirements are.