CTC Processing LLC
Loan Program Processing

DSCR Loan Processing Services | CTC Processing LLC

DSCR (Debt Service Coverage Ratio) loans qualify investment properties on rental income rather than borrower W-2 income — making them the product of choice for real estate investors and STR operators. CTC Processing manages DSCR file documentation, rental income analysis, and entity vesting requirements.

Requirements

Key requirements

  • DSCR ≥ 1.0 (rental income / PITIA)
  • no personal income verification required
  • 20–25% down
  • 680+ credit
  • LLC or individual vesting
  • lease agreement or AirDNA/STR data for income
  • reserves typically 6 months
Workflow

Processing steps

  1. 1Calculate DSCR (gross rental income ÷ PITIA)
  2. 2confirm passes minimum DSCR threshold
  3. 3verify rental income source (lease, AirDNA, market rent)
  4. 4review entity documents if LLC
  5. 5order appraisal with rent schedule
  6. 6CTC
Underwriting

Common conditions

  • Executed lease agreement or 12-month STR income history
  • AirDNA market analysis for vacant or new STR properties
  • LLC operating agreement and EIN
  • certificate of good standing
  • insurance in LLC name
CTC Insight

How we process it

DSCR investors vary in whether they accept AirDNA projections for vacant STR properties. CTC confirms the investor's STR income policy before ordering the appraisal — using the wrong income methodology is the #1 DSCR file failure.

FAQ

Frequently Asked Questions

What is DSCR and how is it calculated?

DSCR = Gross Monthly Rental Income ÷ Monthly PITIA. A DSCR of 1.0 means the rental income exactly covers the payment. Most investors require 1.0–1.25 minimum. CTC calculates DSCR on intake for every investment property file.

Can I use AirDNA income for a DSCR loan on an Airbnb property?

Some DSCR investors accept AirDNA market projections for STR income; others require 12 months of actual rental history. CTC confirms the investor's policy before the file is processed.

Can an LLC hold a DSCR loan?

Yes — most DSCR investors allow LLC vesting. CTC reviews the operating agreement, EIN, and certificate of good standing as part of standard DSCR processing.

DSCRs — closed with precision.

Hand us the file. We'll handle the guideline, the conditions, and the closing.

Partner with CTCCall CTC — 970-222-2615