Debt Service Coverage Ratio (DSCR) loans are a powerful financing option for real estate investors in Washington who want to qualify based on the income of the property—not their personal income or employment history. This investor-friendly loan program focuses on the cash flow generated by rental properties, making it ideal for those building or expanding their investment portfolio throughout the Evergreen State.

Whether you’re managing long-term rentals in Seattle, Spokane, or Bellevue, or investing in short-term rental properties like Airbnbs or VRBOs in popular tourist areas, Pacific Home Loans’ DSCR loans in Washington offer the flexibility you need to succeed.

Why Choose a DSCR Loan?

Unlike traditional mortgages, DSCR loans are designed with real estate investors in mind. This program is a great fit if you:

• Rely on rental income rather than W-2 or self-employed earnings
• Want to finance multiple investment properties—even short-term rentals—at once
• Prefer a simplified approval process with minimal income documentation

By evaluating the property’s income potential, Pacific Home Loans helps investors in Washington take advantage of strong rental markets without the hurdles of traditional underwriting. Our DSCR loans are ideal for a wide range of investment properties, including condotels, vacation rentals, and self-managed nightly stays.

Who Can Benefit from DSCR Loans in Washington?

DSCR loans are an excellent financing option for residential real estate investors across Washington, including:

• Investors looking to expand their rental property portfolios
• Individuals who may not qualify under traditional income verification guidelines
• Buyers interested in Washington’s dynamic rental markets, including profitable opportunities in short-term rentals like Airbnb and VRBO properties

Available throughout Washington—from major metro areas like Seattle and Tacoma to vacation destinations such as Leavenworth, the San Juan Islands, and Lake Chelan—Pacific Home Loans’ DSCR loans are tailored to meet the needs of today’s real estate investors with flexible, income-based solutions.

DSCR Loan Benefits in Washington

Pacific Home Loans’ DSCR loans in Washington are an excellent financing option for both new and experienced real estate investors looking to expand their portfolios. These loans offer a simplified path to funding rental properties—especially appealing for those focused on short-term rentals—without the need for traditional income documentation.

Key Benefits Include:

• Faster closings compared to traditional loans
• No personal income or employment history required
• Interest-only loan options available
• Ideal for first-time and seasoned property investors
• Eligible for both long-term and short-term rentals, including Airbnbs, VRBOs, and other vacation properties
• Loan amounts available up to $5,000,000
• Unlimited cash-out refinance options
• No reserve requirement on cash-out loans (only 6 months required if DSCR is 1 or higher)
• Down payments as low as 20% on qualifying loans

Whether you’re investing in vacation rentals in Leavenworth, lakeside homes in Chelan, or urban units in Seattle, Pacific Home Loans’ DSCR loan program gives you the flexibility and financial leverage you need to grow your investment portfolio in Washington’s thriving real estate market.

Where We Lend

Pacific Home Loans proudly serves borrowers throughout the state of Washington. From vibrant urban hubs like Seattle, Tacoma, and Bellevue, to popular vacation destinations such as Leavenworth, Chelan, and the San Juan Islands, we’re here to support your real estate investment goals. Whether you’re focused on short-term rental opportunities or expanding a portfolio of long-term rental properties, our team delivers flexible lending solutions tailored to Washington’s diverse housing markets.