One of the main benefits of a DSCR loan is that a personal income calculation is not required. The lender is instead focused on the cash flow that the real estate investment at hand is predicted to generate. This erases the need to turn in those paystubs while also erasing the need for employment verification. If you happen to be self-employed, a gig-worker or one that has a gap in employment history, this loan may have just become even more appealing. Along with these benefits, an investor can come to the closing table and close each loan in their entity’s business name which further allows you to separate personal information from business operations. Right away, this loan possesses a lot of positives that set it apart from other loan products.