Finance investment properties without W-2s, tax returns, or personal income checks. If the rent covers the mortgage, you're in business.
DSCR Loans
For Real Estate Investors
If you’re an investor or aspiring investor, DSCR Loans can help you qualify based on rental income instead of job history or tax returns. This loan uses the property’s cash flow, which makes the process simpler and faster.
What Is a DSCR Loan?
A DSCR loan—short for Debt-Service Coverage Ratio loan—compares your rental income to your mortgage payment. When the rent covers the debt, you have a strong chance of qualifying.
Unlike traditional loans, you won’t need to show personal income. In fact, you can skip pay stubs, W-2s, and even tax returns. As long as the rental property pays for itself, you’re in a good position. Most lenders look for a DSCR of at least 1.0, but we offer flexible options.
👉 Check your DSCR loan eligibility
Key Benefits of a DSCR Loan
DSCR loans offer practical solutions for active real estate investors. You gain speed and flexibility—two things that matter in today’s competitive market. Even better, the process is streamlined from start to finish.
Here’s why DSCR Loans makes sense:
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No income documents required
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No employer or job checks
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Fast underwriting and closings
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Works for short- and long-term rentals
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Interest-only payments available
Best of all, you can often qualify using market rent, even if the unit isn’t rented yet. This gives you more freedom to act quickly.
Who Can Benefit From a DSCR Loans?
Many real estate investors use DSCR loans to build or grow their portfolios. Whether you’re full-time or just getting started, this loan can keep things moving. It works well for:
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Self-employed borrowers
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Investors with multiple properties
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Anyone whose taxes don’t show true income
Rather than slow down your progress, a DSCR loan helps you keep growing. You stay in control while avoiding unnecessary paperwork.
👉 Speak to a DSCR loan expert now
Smarter Lending With Fewer Restrictions
We keep things simple. We don’t add overlays, and we won’t make you jump through extra hoops. You’ll work with a lender who understands investor needs.
We lend in 49 states and offer flexible terms designed for people like you. Whether it’s your first rental or your fifteenth, a DSCR loan can help you scale faster.
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.