DSCR Investment Property LoansQualify Based On Cash Flow — Not Your Income
Let the property do the qualifying. DSCR loans are approved based on your property's rental income — not your personal tax returns. Perfect for self-employed investors, portfolio builders, and real estate entrepreneurs.
No Personal Income Verification
40-Year Fixed Terms Available
Interest-Only Payment Options
No DTI Ratio Calculations
Single-Family, Multifamily & Condos
Close In As Fast As 21 Days
Unlimited Cash-Out Refinance
LLC & Entity Vesting Allowed
No Tax Returns Required — Apply Today
Qualify With Your Property's Cash Flow
DSCR loans for single-family, multifamily, condos & portfolio properties — no personal income docs needed.
(877) 885-0111See Your DSCR Loan OptionsIn Under 60 Seconds
Fill out the quick form below and a DSCR specialist will review your scenario and send you personalized loan options — no tax returns, no W2s, no hassle.
Dedicated DSCR Lead Funnel — Start Here
How DSCR Loans Work
DSCR stands for Debt Service Coverage Ratio — it's the metric lenders use to determine if a property's rental income can cover its mortgage payments. Here's everything you need to know.
What Is A DSCR Loan?
A DSCR loan is a non-QM mortgage designed specifically for real estate investors. Instead of verifying your personal income with W2s, tax returns, or pay stubs, the lender evaluates the property's ability to generate rental income. If the property's rent covers the mortgage — you qualify. Period.
DSCR = Rent ÷ Mortgage Payment
A DSCR of 1.0 means rent equals the mortgage. Most lenders want a DSCR of 1.0 or higher — meaning the property pays for itself.
No Tax Returns Required
Skip the paperwork. DSCR loans don't require personal tax returns, W2s, or pay stubs — just proof the property generates income.
Close In As Fast As 21 Days
No waiting on IRS transcripts or income verification. DSCR loans close significantly faster than traditional mortgages.
All Property Types Welcome
Single-family, multifamily (2-4 units), condos, townhomes, and even portfolio loans for 5+ properties — we cover them all.
Interest-Only Options
Maximize your monthly cash flow with interest-only payment structures. Pay less each month while your equity grows.
Unlimited Cash-Out Refinance
Pull equity out of your investment properties with no limit on the number of cash-out refinances. Grow your portfolio faster.
LLC & Entity Vesting
Close in the name of your LLC, corporation, or trust. Asset protection made simple — no need to hold properties in your personal name.
Who Qualifies For A DSCR Loan?
Self-Employed Borrowers
No need to show personal tax returns
Real Estate Investors
Build your portfolio without income limits
Foreign Nationals
No U.S. credit history required
LLC & Corporation Owners
Close in your entity name with ease
First-Time Investors
Start building your rental portfolio
Portfolio Builders
Finance unlimited properties simultaneously
Ready to get started?
$50K – $3M
Loan amounts available for DSCR investors
Apply Now — See Your OptionsDSCR Loan FAQs
What exactly is a DSCR loan and how does it work?
DSCR stands for Debt Service Coverage Ratio. It's a non-QM loan where the lender qualifies you based on the property's rental income rather than your personal income. The formula is simple: DSCR = Monthly Rent ÷ Monthly Mortgage Payment. If the ratio is 1.0 or higher, the property's rent covers the mortgage — and you qualify. This means no W2s, no tax returns, and no pay stubs are required.
What property types are eligible for DSCR loans?
DSCR loans cover a wide range of investment properties: single-family homes, condos, townhomes, 2-4 unit multifamily properties, and portfolio loans for 5+ units. We also finance mixed-use properties and short-term rentals (Airbnb/VRBO) in many cases. The key requirement is that the property generates or is projected to generate rental income.
What credit score do I need for a DSCR loan?
Most DSCR lenders require a minimum credit score of 620, though better rates are available for scores of 680+. Even with less-than-perfect credit, you may still qualify because the loan decision is primarily based on the property's cash flow, not your personal credit history. We work with multiple investors and can often find solutions for unique credit situations.
How much down payment is required?
Down payments for DSCR loans typically start at 20%, though this can vary based on the property type, loan amount, and your credit profile. In some cases, we may be able to offer lower down payment options depending on the strength of the property's cash flow. Unlike traditional loans, gift funds and business funds are generally acceptable for the down payment.
Can I get a DSCR loan if I already have multiple mortgages?
Absolutely. DSCR loans are ideal for portfolio builders. There's no limit on the number of properties you can finance — each loan is evaluated independently based on that property's cash flow. Unlike conventional loans that restrict you to 10 financed properties, DSCR lenders are generally much more flexible. This makes DSCR loans perfect for scaling your real estate portfolio.
What's the difference between DSCR and a conventional investment loan?
The biggest difference is how you qualify. Conventional loans require personal income verification — W2s, tax returns, pay stubs, and DTI (debt-to-income) calculations. DSCR loans skip all of that and focus entirely on whether the property's rental income covers its expenses. This makes DSCR dramatically faster (close in 21 days vs. 45+), friendlier for self-employed borrowers, and scalable for investors with multiple properties.