DSCR loans are generally easier to qualify for than other types of commercial real estate loans. They offer more flexible terms and lower interest rates than other types of loans. But compared to traditional loans, DSCR mortgage programs require the borrower’s ability to pay back the loan based on the income generated by the property. Lenders will need more documentation and may have stricter underwriting guidelines for DSCR loans. The DSCR requirements also depend on the lender, the property, and the borrower’s credit, financials, and experience. It’s highly recommended to work with a specialist in DSCR loans to have a good understanding of the requirements before applying.