Rocket Pro Launches DSCR Product As Investor Demand Surges

Rocket Pro today launched a new loan option designed to give mortgage brokers more flexibility and open more doors for their clients as demand for investor financing climbs nationwide.

The company’s new Debt Service Coverage Ratio (DSCR) product allows clients to qualify for a loan on an investment property based on the income the property is expected to generate, rather than their current personal income. The underwriting approach, widely used in commercial real estate, is now available through Rocket to help brokers better serve the growing investor market.

The new product is available to both Rocket Mortgage retail originators and Rocket Pro broker and correspondent partners. However, Cory Scholl, Rocket Pro’s executive vice president of sales, said DSCR demand is especially high among Rocket Pro’s TPO partners.

“It's the popular DSCR with the change in the market over the last couple years. It just really has opened everyone's eyes to more opportunity than your cookie-cutter standard rate and term, cash out, and purchase,” Scholl said. “Clients and broker partners out there get more savvy as far as what's out there and what's able to be done.”

Reports from American Association of Private Lenders show DSCR loans have become one of the fastest-growing segments in mortgage lending in 2025, moving from a niche product to a mainstream financing tool for rental properties. In January 2025, more than 4,200 DSCR transactions were recorded, totaling over $2 billion in volume, and by mid-year originations were running about 35% higher than the prior year. That growth has been driven largely by investors seeking quick, flexible financing based on property cash flow rather than traditional income documentation.

While DSCR loans are available on both Rocket Pro and retail channels, broker interest is truly driving the launch. “The main ask has been definitely on the Rocket Pro side … and we see that as being where it's going to be heavily used,” he said.

Scholl said Rocket designed the product for today’s active investor demographic, including long-term landlords, short-term rental operators, and borrowers with documented property management experience.

In moving DSCR into its product suite, Rocket Pro said the launch also fulfills its commitment to brokers under the company’s Partner Promise.

“Our partners have been asking for DSCR at Rocket Pro,” Scholl told NMP. “When we developed the product, it made sense — what they wanted was not just the product, but they wanted it coupled with what Rocket Pro is known for when it comes to pricing, consistency, speed, and then, of course, certainty.” 

Although DSCR loans are business-purpose only for real estate investors rather than homebuyers, Scholl says the launch is still tied to Partner Promise No. 5: “help everyone home.”

“Helping everyone home means everyone — maybe it's homeownership, or they're going to be in the space renting it — but it's literally helping everyone home,” Scholl said.

Product Details And Risk Management

Rocket Pro’s DSCR launch also arrives at a time when fraud risk in the investment-property space is drawing heightened scrutiny. Cotality’s Q3 National Mortgage Application Fraud Risk Index fell 2.7% from the previous quarter but remains 8.2% higher year over year, driven largely by a surge in investor and multifamily loan volume.

Cotality estimates that 1 in 118 mortgage applications shows indications of fraud, but the risk is concentrated in specific segments: investment properties and multifamily properties, according to Matt Seguin, senior principal of fraud solutions at Cotality. He noted that the rise in volume — investment loans up 36% year-over-year and multifamily up 64% — is the primary driver of the higher index readings.

According to Cotality, 1 in 45 investment applications and 1 in 26 multifamily applications contain fraud indicators, with the firm flagging increases in both income and occupancy misrepresentation. Income flags often appear when reported earnings seem inconsistent with the property value, which can signal exaggerated income or attempts to disguise an intended investment purchase as owner-occupied. Identity-related alerts also increased slightly in Q3, including mismatched or deceased Social Security numbers, though Seguin said the mortgage industry still maintains strong safeguards compared to other forms of lending.

Rocket Pro executives said they built their DSCR program with those industry risks in mind. Scholl added that Rocket requires borrowers to demonstrate prior real-estate experience to ensure DSCR loans go to seasoned investors. 

“We're talking, you know, looking at long-term and short-term rentals, 1 to 4 unit properties, and people with investing experience,” he said. “They have to have at least a one-year history. If not, then you know, one-year property management experience in the past 36 months.”

“I'm very confident in our DSCR loan,” he continued. “If you look at the combination between our capital markets team and our product team, it's 40 years of experience managing risk with responsible guidelines,” said Scholl. “It's a $3 million loan cap on purchase, rate, and term, $2.5 million for cash-out refinances with a max $500K cash-out. You also need two appraisals if you're over the $2 million mark, and it's not for first-time real estate investors.”

Training And Technology Support

With DSCR growth pulling in new investors, Scholl said formal training is critical for brokers entering the space. In fact, Rocket Pro is rolling out DSCR training beginning this week.

“All of our account executives were trained up. We're actually starting to launch our trainings today with all of our broker partners,” he said. He noted that all guidelines are also accessible through Rocket’s Pathfinder system, which he described as “the most amazing guideline system in the entire industry.”

Additionally, Scholl said he expects that pairing the new DSCR product with Rocket Pro Navigate, the company’s AI-driven partner tool, creates a powerful combination for TPO partners. “If you couple Navigate with DSCR, our partners will have an amazing one-two punch to end 2025 and enter into 2026,” he said. One broker partner, in particular, “saw a 65% increase in their production month over month” after adopting the AI tool, Scholl added. 

Looking Ahead

Scholl added that the company will continue evaluating additional Non-QM offerings to identify “what's going to help them elevate their business,” he said. “And we're going to always do it from a responsible standpoint when it comes to guidelines.”