DSCR Loans for Real Estate Investors – No Income Verification Required
What Is a DSCR Loan?
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Instead of verifying your income, we use the property’s rental income to qualify you. This means no personal tax returns, no W-2s, and no job history required.
Who It’s For
DSCR loans are ideal for:
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Investors building rental portfolios
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Self-employed buyers or LLCs
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Borrowers with high assets but complex taxes
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Out-of-state or non-owner-occupied investors
How DSCR Is Calculated
We calculate the DSCR by dividing the property’s monthly rental income by its monthly mortgage payment.
Example: If rent is $2,000 and the mortgage is $1,800 → DSCR = 1.11
The higher your DSCR, the stronger the loan file — but we can go as low as 1.0 or even below in some cases.
Program Highlights
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No income, W-2s, or tax returns required
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Close in an LLC or personal name
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30-year fixed and interest-only options
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Unlimited properties (not capped like traditional loans)
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Flexible credit score requirements
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Available in 49 states
The Process
- Apply online in under 5 minutes
- Upload property docs and rental analysis
- Choose from competitive loan options
- Close and fund in as little as 10–14 days
Why Investors Use DSCR Loans:
✅ No W-2s, pay stubs, or tax returns
✅ Qualify based on rental income
✅ Close in your LLC or personal name
✅ 30-year fixed or interest-only options
✅ Lending in 49 states
✅ Close in as little as 10–14 days
Safe, Fast, and Simple:
We don’t pull hard credit just to see options.
You’re one step closer to your next property.
Have Questions?
We’re just a phone call or text away.
Ask about multi-property portfolios or low-DSCR scenarios.