DSCR loans provide an alternative financing option for real estate investors who write off a considerable amount of expenses on their tax returns, which can make it difficult for them to qualify for traditional mortgages. Rather than assessing the borrower's net income, lenders focus on the property's net operating income (NOI) to determine eligibility. As long as the property generates enough rental income to cover the debt, borrowers can use a DSCR loan to purchase the property.