Do DSCR loans show on credit report​?

Last updated: December 18, 2025

DSCR loans do not show on your credit report if the borrowing entity is a business entity (i.e. LLC). However, if you receive the DSCR loan in your personal name, then it will most likely appear on your personal credit report because your social security number was used to identify you as the borrower.

In the world of real estate investing, the way a loan is titled and the DSCR lender’s specific reporting policies determine whether that debt appears on your personal credit report.

At OfferMarket, the real estate investors we lend to prefer to hold title in business entity, with nearly 99% of all borrowers electing to use an LLC. Loans to business entities are considered commercial, "business purpose", and are not reported to the personal credit of any of the members of the borrowing entity or personal guarantors on the loan. For more detailed insights, read our article DSCR loan for LLC.

We also offer our borrowers the option to hold title in personal name ("natural person") instead of business entity. In these scenarios, the taxpayer identification number (TIN) associated with the loan is the social security number of the borrower that holds title in their name. Although DSCR loans to personal name are technically considered commercial, "business purpose", the investors to whom we sell these DSCR loans may elect to have their assigned servicer report the loan to Experian, Equifax and Transunion.

Holding Title in a Business Entity

If you close a DSCR loan in the name of an LLC or other business entity (i.e. corporation, revocable trust, limited partnership) using an Employer Identification Number (EIN), the loan generally will not show up on your personal credit report. If the loan shows up on your personal credit report, it is most likely the result of an error by the servicer to whom the loan was transferred after origination. This is extremely rare and reversible.

DSCR loans are classified as a "business-purpose loan" or "BPL". When the borrowing entity is an LLC or other business entity, the originating lender and subsequent owner(s) of the loan do not report to the consumer credit bureaus (Equifax, TransUnion, Experian).

Allowed Entity Types

• LLC: strongly preferred, has the widest support from DSCR lenders and institutional investors, and is by far the most common entity type used by real estate investors.
• Corporation: S-Corp, C-Corp, this has less favorable tax structure so it is not commonly used by real estate investors. Some DSCR loan programs do not allow Corporation as borrowing entity.
• Limited Partnership: some DSCR loan programs do not allow LP as borrowing entity.
• Revocable Trust: some DSCR loan programs do not allow LP as borrowing entity.

Pros of DSCR Loans to Business Entity

• Protect your personal DTI When your business entity is technically the borrower, this keeps your personal Debt-to-Income (DTI) ratio low because the loan is not reported to your personal credit. This p it much easier for you to qualify for a personal mortgage (like a primary residence) or other personal lines of credit.

• Protect your personal liability: When title is held in an LLC, and the LLC is managed properly (i.e. its own separate bank account strictly for the purpose of managing and operating the specific rental property), then claims by contractors, tenants and others associated with the rental property cannot extend to you personally. So, let's say your tenant throws a party and the house burns down and injures guests. The extent of your landlord insurance policy and the value of assets held in the LLC represents the extent of the assets these claimants can go after. If instead you own the property in your personal name, technically, the claimants can go after all of your personal assets.

• Organized management: holding title in a business entity makes it cleaner and easier to manage accounting because your bank account and accounting software is focused entirely on this business entity, not muddled with other business and personal activity.

Holding Title in Personal Name

If you close the loan in your individual name using your Social Security Number (SSN), it is likely to appear on your personal credit report. Why? Even though the loan is for an investment property, the consumer reporting system is triggered because the individual is the primary borrower.

As a consequence, the full monthly mortgage payment will be factored into your personal DTI, which could limit your future borrowing power for personal needs, like that awesome home you always wanted to build or purchase with the wealth accumulated from your rental portfolio...

Summary

DSCR loans generally do not show up on your personal credit report. Lenders pull your personal credit score during the application process (to assess risk and determine loan terms like interest rates).

However, the loan itself, including monthly payments, is typically not reported to major credit bureaus (Equifax, TransUnion, Experian).

This non-reporting feature is a major advantage for investors, as it allows them to acquire multiple properties without impacting their personal credit score, debt-to-income ratio, or overall credit profile.

The exception is if you hold title in personal name instead of a business entity such as an LLC. In this scenario, you should expect the loan will report to your personal credit and therefore affect your DTI.

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