A DSCR loan can absolutely work for this. Pressure-test the plan itself before you pick the financing. DSCR (debt service coverage ratio) loans qualify off the property's rental income rather than your personal income, which is why investors use them. Plan on around 20% down for the smoothest terms. These loans can go below 20%, but they get harder and more expensive as the down payment shrinks, so a budget that comfortably covers 20% on your target price range gives you the most options. DSCR programs are non-agency and guidelines vary, so confirm current terms with the lender. The bigger question is the plan. If the whole point is housing a family member who currently lives with you because of a health issue, moving them to a cheaper market farther away can reintroduce the exact problem you are trying to solve. Two alternatives often fit better: - A property with an accessory dwelling unit, so they live on-site with their own space. - Adding an accessory structure on your own lot with the funds you have available. Either keeps them close while still giving everyone independence. The financing works; make sure the location and the structure actually serve the care situation. Comparing a DSCR rental purchase against an ADU or on-site option for your numbers is something we can map out on a Roadmap conversation.