Scaling Rentals Without Relying on W-2 Income — Experiences With DSCR Loans?

[Kelly Schroeder]

I've been hearing more investors talk about DSCR (Debt Service Coverage Ratio) loans as a way to scale rentals. Since these loans focus on property income rather than personal income, they seem to give flexibility for investors who want to grow portfolios beyond what traditional lending allows.

Curious if anyone here has used them:
- How did underwriting compare to conventional loans?

- Did the structure make scaling multiple rentals easier?
- Any pitfalls or surprises to watch out for?

Would be great to hear real-world stories of DSCR loans being used as part of a growth strategy.