Qualify based on the property's rental income — not your personal income. No tax returns. No W2s. Close in weeks, not months.
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The smarter way to finance rental properties
We don't ask for tax returns, W2s, or pay stubs. The property qualifies itself based on its rental income.
Close in 2-3 weeks, not 45-60 days. No waiting on underwriters to review years of financials.
Close in your entity name from day one. Protect your personal assets without post-closing transfers.
Conventional lenders cap you at 10 properties. DSCR has no limits. Scale your portfolio freely.
Business owners and 1099 contractors qualify easily. Your complex tax situation doesn't matter.
Single-family, 2-4 units, condos, townhomes, and short-term rentals. We cover it all.
From application to funding in three simple steps
Use our calculator to see live rates based on your deal. No credit pull required.
Quick application with property details. We verify the rental income supports the loan.
Appraisal, title, and closing. You're funded in 2-3 weeks with keys in hand.
Flexible options for every investment strategy
Run your numbers before you make an offer
Everything real estate investors need to know about DSCR financing
A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal income. No tax returns, W2s, or pay stubs required. The lender uses the property's rental income to determine if it can support the mortgage payment.
DSCR loans use the property's rental income to determine loan qualification. The lender calculates if the rental income covers the mortgage payment (debt service) with a cushion. For example, if your mortgage payment is $2,000 and rent is $2,200, your DSCR is 1.1. Most programs require a DSCR of 1.0 or higher.
DSCR loans typically require 20-25% down payment for purchases and rate/term refinances. Cash-out refinances may require 25-30% equity remaining in the property. The exact amount depends on your credit score, property type, and loan program.
Yes! DSCR loans are perfect for BRRRR (Buy-Rehab-Rent-Refinance-Repeat). After purchasing and renovating, you can do a cash-out refinance after 6 months of seasoning to pull equity for your next deal. Many investors use DSCR to scale their portfolios quickly.
Most DSCR loan programs require a minimum 620 FICO score. Higher scores (720+) get better rates and terms. Some programs are available down to 600 FICO with higher rates. Your credit score affects your interest rate, so higher is better.
DSCR loans typically close in 2-3 weeks compared to 45-60 days for conventional loans. The faster timeline is due to no income documentation requirements and streamlined underwriting. We order the appraisal immediately and move quickly through the process.
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