loan types
dscr investor loans
Indiana

DSCR Investor Loans in Indiana

Self-employed borrowers in Indiana qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
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No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
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DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans in Indiana provide self-employed borrowers and real estate investors with mortgage financing based on bank deposits rather than traditional income documentation.

These non-QM programs analyze cash flow patterns from personal or business bank statements to determine borrowing capacity, making them particularly valuable for entrepreneurs, freelancers, and investors whose income fluctuates or comes from multiple sources.

Indiana borrowers can use bank statement loans for primary residences, second homes, and investment properties, with underwriters applying expense ratios to deposits to calculate qualifying income. The approval process focuses on cash flow consistency and creditworthiness rather than W-2s or tax returns.

theLender offers bank statement loans using 12 or 24 months of personal or business bank statements to qualify borrowers.