Debt Service Coverage Ratio Loans

[Caleb Smith]

On the last step of the BRRRR process, I am wanting to use a loan to refinance the property and pay back the hard money lender.

However, the lender I spoke with said it would be hard for me to qualify based on my past 2 tax returns.

Isn't the DSCR loan based on the projected rent and debt service, not personal tax returns and income?

Any help on this would be greatly appreciated.