DSCR Loans
Qualify with Rental Income. No Tax Returns Required.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to expand their portfolio without traditional income verification. Your property's cash flow qualifies you—not your personal tax returns.
Get Pre-Qualified for Your Investment Property
No tax returns needed. See how much rental income you need to qualify.
Investment Experience
Tell us about your real estate investment background
Calculate Your DSCR
See if your investment property qualifies in seconds
DSCR Formula
DSCR = Monthly Rental Income ÷ Monthly PITIA
*PITIA = Principal, Interest, Taxes, Insurance, Association Dues
Your DSCR Ratio
1.20
Why DSCR Loans for Investors?
Streamlined financing designed specifically for real estate investors
No Income Verification
Qualify without tax returns, W-2s, or pay stubs—the property income does the work
Close in LLC/Corp
Purchase and hold properties in your business entity for liability protection
Unlimited Properties
No cap on how many investment properties you can finance
Fast Approvals
Streamlined underwriting process means quicker closings
Flexible Property Types
Single-family, multi-family, vacation rentals, and commercial properties
Up to $3M Financing
Loan amounts from $100,000 to $3,000,000
Eligible Property Types
DSCR loans work for a wide variety of income-producing properties
Single-Family Homes
2-4 Unit Properties
5+ Unit Multi-Family
Condos & Townhomes
Vacation Rentals
Mixed-Use Properties
How to Secure a DSCR Loan
Consultation
Speak with a loan officer about your investment goals and property details
Property Analysis
We calculate the DSCR based on expected rental income and monthly debt service
Application
Submit a streamlined application—no tax returns or income verification required
Underwriting
Quick approval process focused on property performance, not personal income
Closing
Close quickly and start generating rental income from your investment property
Advantages & Considerations
Advantages
- No personal income documentation required
- Qualify based on property cash flow
- Close in LLC or corporation
- No limit on number of properties
- Faster approval than conventional loans
- Flexible credit score requirements (620+)
Considerations
- Higher down payments (typically 20-25%)
- Slightly higher interest rates than conventional
- Property must be income-producing
- Some lenders charge prepayment penalties
Frequently Asked Questions
Scale Your Portfolio Faster
Stop waiting on tax returns. Get financing based on your property's potential, not your W-2.