Conventional investment financing qualifies you on personal income. DSCR qualifies the property on rent. For W-2 buyers with one or two rentals, conventional is usually cleaner and cheaper.
For investors past property four — or anyone whose tax returns understate true income — DSCR opens the door that conventional closes. The trade-off is roughly 1.0–1.5% in rate, which the rent comp absorbs on most Louisiana long-term rentals.
Jacob Porche · NMLS# 2644529