Does a DSCR lender verify personal income?

Typically, no. The defining feature of a DSCR loan is that the property's rental income, not your salary or business earnings, does the qualifying, so underwriters generally do not ask for tax returns, pay stubs, or employer letters, and personal debt-to-income math does not apply. That does not make the review casual. Credit is pulled, assets and reserves are documented, the entity is vetted when you close in one, and the property's income is supported by a lease or an appraiser's market rent opinion. Occupancy is confirmed as investment use as well. If you would rather qualify on your own cash flow instead of the property's, a bank statement loan may be the better fit.