Qualify based on your property's cash flow — not your personal income. No tax returns, no W-2s, no employment verification. Just the deal speaking for itself.
DSCR stands for Debt Service Coverage Ratio. It's the simple math of: rental income ÷ monthly mortgage payment. If your property's rent covers the loan payment, you qualify — regardless of your W-2 income, tax returns, or employment status.
This makes DSCR loans the #1 choice for self-employed investors, full-time landlords, and anyone scaling a portfolio without the income-doc headaches of conventional loans.
How DSCR is calculated for an example rental.
Built for serious portfolio investors. 30-year fixed terms with the flexibility to scale.
Business owners and 1099 contractors whose tax returns don't reflect their full earning power.
Investors scaling beyond 4-10 conventional loans into 20, 50, 100+ properties.
Airbnb & VRBO investors using actual short-term rental income to qualify.
Buy-rehab-rent-refinance investors moving from bridge loans into long-term financing.
Investors who want to hold properties in an LLC instead of personal name for liability protection.
Buying rentals in different states than where you live — no problem with DSCR.
Quick application — property address, purchase price, expected rent. No tax returns needed.
We order an appraisal with rent schedule (1007/1025) to verify market rent and DSCR.
Light docs: ID, bank statements, entity docs. Most deals approved in 7-10 days.
Close in your LLC. 30-year fixed in place. Set it, forget it, collect rent.
Get pre-qualified for a DSCR loan in 60 seconds. No tax returns, no income docs, no hassle.