DSCR Loans for Real Estate Investors
Qualify based on your property's rental income, not your personal income. Perfect for investors, self-employed borrowers, and portfolio builders.
Trusted by 5,000+ investors
See if you qualify
Monthly Rental Income
$3,500
Monthly PITIA
$2,800
Your DSCR Ratio
1.25
You Qualify!
No Tax Returns
Required
$750M+
Funded for Investors
5,000+
Properties Financed
0.75
Min DSCR Ratio
24hrs
Pre-Approval Time
Understanding DSCR
DSCR (Debt Service Coverage Ratio) loans qualify you based on your investment property's cash flow rather than your personal income. If your property generates enough rental income to cover the mortgage payment, you can qualify.
DSCR =
Monthly Rental Income÷Monthly PITIA
PITIA includes:
Property income covers the full mortgage payment. Most programs accept this ratio.
Strong cash flow with 25% cushion. Qualifies for best rates and terms.
Negative cash flow programs available. Higher rates but still accessible.
Why Choose DSCR
DSCR loans are designed specifically for investment properties, offering flexibility that traditional mortgages simply can't match.
Skip the W-2s, tax returns, and pay stubs. Qualify based on property cash flow alone.
Streamlined process with closings as fast as 21 days. No lengthy income documentation delays.
No cap on the number of financed properties. Scale your portfolio without restrictions.
Close in your LLC, corporation, or trust name for asset protection and liability separation.
Maximize cash flow with interest-only payment periods available on select programs.
Flexible exit strategies with no penalty options. Refinance or sell when it makes sense.
Eligible Properties
1-4 unit residential properties
5+ unit apartment buildings
Airbnb & vacation rentals
Commercial + residential
Simple Process
Complete our simple application in minutes. No income documentation needed upfront.
We evaluate your property's rental income potential using market data and appraisals.
Receive your approval based on the property's DSCR ratio, not your personal finances.
Close in as little as 21 days and start building your investment portfolio.
Qualification Guidelines
Testimonials
"As a full-time investor with 12 properties, traditional banks wouldn't touch me. DSCR financing let me keep growing my portfolio without the income documentation headaches."
Marcus T.
Real Estate Investor
12 Properties
"I closed on my first Airbnb property in just 3 weeks. The process was incredibly smooth, and they understood the short-term rental income model perfectly."
Jennifer L.
STR Investor
4 Properties
"Being self-employed made it nearly impossible to qualify for conventional loans. DSCR was a game-changer for my investment strategy."
David R.
Business Owner & Investor
8 Properties
FAQ
Get pre-qualified in minutes. No tax returns, no W-2s, no hassle. Just your property's potential.
No credit check required for pre-qualification