Investment property loans (including DSCR — Debt Service Coverage Ratio — loans) are used to finance non-owner-occupied rental properties. Conventional investment loans still qualify you based on personal income/credit, usually with a larger down payment (often 15-25%) and a higher rate than an owner-occupied loan.
DSCR loans are a specific type of investment loan that qualifies primarily on whether the property's rental income covers its debt payments (DSCR = monthly rent ÷ monthly PITI, roughly), rather than your personal income — useful for investors with several properties or self-employment income that's hard to document traditionally. They typically carry a rate premium over conventional financing.