🏘️ DSCR Loans · Qualify on Cash Flow

Let the Property
Qualify the Loan

DSCR loans are approved based on the property's rental income and value — not your personal tax returns. Build your portfolio faster with flexible investor-focused underwriting.

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DSCR Rental Property
No Tax Returns Required
DSCR Loan Highlights
85%
Max LTV Purchase
80%
Cash-Out Refi LTV
24hr
Pre-Approval
30yr
Loan Term
$0
Income Docs
Why DSCR

Built for Real Estate Investors

Traditional lenders don't understand how investors operate. DSCR loans do.

📊
Cash Flow Approval

DSCR lenders evaluate whether the property's monthly rent covers its mortgage payment. If the property performs, you qualify — regardless of how many write-offs are on your tax return.

⚡
Fast Approvals

Without the complexity of income documentation, approvals move fast. Many investors receive a credit decision within 24–48 hours of submitting property information and basic docs.

📈
Scale Your Portfolio

No debt-to-income ratio based on personal income means you can hold multiple properties and keep growing. DSCR financing is designed for investors who are serious about building wealth.

Loan Details

DSCR Loan Terms & Program Details

What Is DSCR?

DSCR stands for Debt Service Coverage Ratio. In simple terms: DSCR = Monthly Rent ÷ Monthly Mortgage Payment (PITI + HOA).

A DSCR of 1.0 means rent equals the payment. Above 1.0 means the property generates positive cash flow. Most programs begin around 1.0–1.1, with options for stronger or weaker DSCR depending on the deal.

We evaluate the property's fair market rent, the estimated payment, and your credit profile. We do not ask for personal tax returns, W-2s, or pay stubs.

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Qualification BasisProperty Rental Income & Value
Max LTV PurchaseUp to 85%
Max LTV Cash-Out RefiUp to 80%
Loan Terms30-Year Fixed & ARM Options
Income DocumentationNot Required
Property TypesSFR, 2–4 Units, STR Where Eligible
Approval Speed24–48 Hours
Entity ClosingLLC, LP, Corporation, Trust
Process

From Property Numbers to Pre-Approval

A streamlined 3-step process so you can stay focused on finding deals.

1
Share Property Info

Provide the property address, type, current or projected rent, desired loan amount, and closing timeline. No tax returns or income docs at this stage.

2
DSCR Estimate & Match

We calculate your DSCR, review program fit and LTV options, and outline potential rates. You'll know if the deal pencils before you invest more time.

3
Pre-Approval & Close

Once the property's numbers are verified through appraisal and rent schedule, we submit to underwriting and work toward a fast approval — often within 24–48 hours of a complete file.

Is This Right for You?

Who DSCR Loans Are Built For

✓ Great Fit If You...
  • Are a buy-and-hold investor growing a rental portfolio
  • Have complex tax returns full of write-offs and entities
  • Operate short-term or mid-term rentals (where eligible)
  • Use BRRRR or value-add strategies on your properties
  • Want to scale without personal income limiting your deals
✗ Not a Fit If You...
  • Are buying a primary residence or second home
  • Need a conventional 30-year owner-occupied mortgage
  • Have a property that does not generate any rental income
  • Prefer a slow traditional bank approval process
Common Questions

DSCR Loan FAQs

Do I really not need to provide income documentation?
In most DSCR programs, no personal tax returns, W-2s, or pay stubs are required. The property's rental income and value drive the approval. Some programs may require minimal documentation for credit or reserves verification.
What DSCR do I need to qualify?
Most programs begin around a DSCR of 1.0 to 1.1. There are options for scenarios below 1.0, though pricing adjusts accordingly. We'll estimate your DSCR and match you to the right program based on your property's numbers.
Can I use DSCR loans for short-term rentals like Airbnb?
Yes, many DSCR programs accommodate short-term rentals where eligible. Lenders typically use a market rent schedule or a percentage of actual STR income to qualify the property. We'll review your specific situation.
How many DSCR loans can I have at once?
Unlike conventional financing, most DSCR programs do not have strict limits on the number of financed properties. This makes them ideal for investors with growing portfolios who want to keep scaling without hitting conventional limits.

Ready to Let the Property
Do the Heavy Lifting?

You already analyze deals based on rent and returns. Now get financing that speaks the same language.

Get Pre-Approved with DSCR Today