DSCR LOANS - Close in as Few as 20 Days
Investment Property Loans Without the Red Tape
DSCR loans qualify on the property's cash flow - not your tax returns. No income docs. No W-2s. No bank statements. Just the deal.
DSCR LOANS - Close in as Few as 20 Days
DSCR loans qualify on the property's cash flow - not your tax returns. No income docs. No W-2s. No bank statements. Just the deal.
The Problem
Traditional lending was built for W-2 borrowers buying primary residences. If you're an investor, you already know the pain.
By the time your conventional lender gets back to you, someone else has already closed on the property. Speed isn't a luxury in real estate investing - it's the whole game.
Fannie and Freddie cap you at 10 financed properties. After that, you're stuck - unless you have a product that doesn't count against that limit. DSCR loans don't.
You write off everything your accountant tells you to. Great for taxes, terrible for qualifying with a traditional lender. DSCR loans don't care about your personal income at all.
The Solution
DSCR loans qualify on one simple question: does the property's rental income cover the debt?
Send us the property details and we'll quote you the same day, often within the hour.
Complete a streamlined application. No tax returns or W-2s needed. Just the basics about the property and your entity.
We order the appraisal and title work. Our team coordinates everything so you stay focused on your investment.
Once everything checks out, we lock your rate and finalize your loan terms. Minimal paperwork.
Our processing team handles the rest. You close, you fund, you cash-flow.
Recent Deal
Investor purchased a single-family rental property. Traditional lender said 45 days and needed full income documentation. We closed with a DSCR loan in 22 days, no tax returns required.
A DSCR loan is a mortgage for investment properties that qualifies the borrower based on the property's rental income rather than personal income. DSCR stands for Debt Service Coverage Ratio. If the property's rent covers the mortgage payment, you qualify. No tax returns, W-2s, or income verification required.
Most DSCR loan programs require a minimum credit score of 660. The best rates are available at 740 and above. Borrowers between 680 and 739 will see moderate rate adjustments of 0.25% to 0.75%.
DSCR loans typically require 20% to 25% down for purchases (up to 80% LTV). Cash-out refinances go up to 75% LTV. Foreign nationals may need 30% or more down.
DSCR loans typically close in 14 to 21 business days, significantly faster than traditional bank loans which often take 45 to 90 days.
Yes. DSCR loans are specifically designed for borrowers who cannot or prefer not to document personal income. Self-employed investors, business owners, and anyone with complex tax returns can qualify based solely on the investment property's rental income.
Most lenders require a minimum DSCR of 1.00x, meaning the rent must at least cover the mortgage payment. Some programs accept ratios as low as 0.75x for strong borrowers. The best pricing starts at 1.25x and above.
Yes. DSCR loans can be used for short-term rental properties. Qualification typically uses projected STR income from platforms like AirDNA. LTV may be reduced by 5% compared to traditional rentals.