SELF-EMPLOYED INVESTOR LOANS - No Tax Returns Required
DSCR loans for business owners who write everything off. No tax returns. No income docs. No bank statements. Just the property's cash flow.
The Problem
Traditional lenders have a blind spot: they don't understand self-employed business owners.
You run a successful business but your tax return tells a different story. Banks only see the bottom line after deductions, and it's never enough to qualify.
It's the most insulting thing a lender can say to a successful business owner. The problem isn't your income - it's their underwriting model.
Your CPA is doing exactly what they should - minimizing your tax liability. But every dollar they save you in taxes is a dollar that hurts you with a conventional lender.
The Solution
DSCR loans qualify on the property's rental income, not your personal income. Your tax strategy stays intact.
Send us the property details - address, value, and rent. We quote you same day without touching your tax returns.
Once the numbers work, we lock your rate and order the appraisal. Total paperwork: minimal.
Close in 20-30 days. Your business stays your business.
Recent Deal
Self-employed restaurant owner with $47K on tax returns. Traditional lender declined the investment property loan. We ran the DSCR on the rental property - 1.33x ratio - and qualified the deal same day. No tax returns reviewed.
Yes. DSCR loans are specifically designed for self-employed investors. They qualify you based on the rental property's income, not your personal income or tax returns. Your tax write-offs and business deductions will not affect your ability to qualify.
Banks use your tax returns to calculate debt-to-income ratio (DTI). When you take legitimate business deductions (depreciation, repairs, mileage, expenses), your taxable income drops. A business owner collecting $180,000 in rent might show $47,000 on their tax return, making their DTI too high to qualify.
No. DSCR loans require zero income documentation. No tax returns, no W-2s, no profit and loss statements, no bank statements proving income. The property's rental income is the sole qualification metric.
DSCR loans typically carry rates 0.5% to 1% higher than conventional bank mortgages. However, many self-employed investors find the higher rate is offset by faster closings (14-21 days vs 60-90 days), no income documentation requirements, and the ability to continue taking full tax deductions.
There is no property limit with DSCR loans. Unlike conventional bank financing which caps borrowers at 10 financed properties, DSCR programs allow you to finance an unlimited number of investment properties as long as each one meets the DSCR requirements.
Yes. DSCR cash-out refinances allow up to 75% LTV with no income verification. This is a popular strategy for self-employed investors who want to pull equity from existing rentals to fund new acquisitions.