Qualify based on your property's income—not your personal income. Perfect for building and scaling your rental portfolio.
No Income Verification
Close in 7-14 Days
Close in LLC or Personal Name
Nationwide Programs
Helping real estate investors nationwide • Fast approvals • Expert guidance
85%
Max LTV
Multiple
Term Options
0
Income Docs
No Income Verification Required
Close in 7 Days*
Up to 85% LTV
WHO WE ARE
Loan Options Designed for Investors
DSCR (Debt Service Coverage Ratio) loans are designed for investors financing or refinancing income-producing properties. Qualification is based on the property's cash flow, not the borrower's personal income.
Ideal Borrowers:
Rental property investors
Multiple properties or LLC ownership
Self-employed investors
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Key Benefits
No business or personal income or tax documents needed
Income is based on rental property cash flow
Available for Purchases & Refinances
Flexible qualification guidelines
Fast Closings - as little as 7 days once appraisal is in hand
Long & short term rentals qualify (Airbnb / VRBO)
No previous investor experience required
Cash-out refinance options available
DSCR Loan Benefits: No Income Verification & Fast Closings
Streamlined underwriting for modern investors.
1. Apply Online
Complete our 3-minute intelligent quote wizard.
2. Customized Quote
Receive a personalized quote tailored to your deal.
3. Streamlined Docs
Upload entity docs and property info. No tax returns.
4. Get Funded
Clear to close in as little as 7 days.
Program Details
Loan Amount
$150,000 – $3,000,000+
Term
30 years
Credit Score
660+
Locations
Nationwide
Get Your DSCR Loan Quotes
See your rate & terms with our 2-minute quote form
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Frequently Asked Questions
What is DSCR?
DSCR stands for Debt Service Coverage Ratio. It's the ratio of rental income to mortgage payment. A DSCR of 1.0 or higher means the property generates enough income to cover the mortgage.
Can I qualify without W2s or tax returns?
Yes, DSCR loans qualify you based on the property's rental income, not your personal income or employment.
Can I close in an LLC?
Yes, DSCR loans allow you to close in an LLC or personal name, giving you flexibility in how you structure your investments.
Are cash-out refinances available?
Yes, you can do a cash-out refinance to unlock equity from your rental properties and use it to fund additional investments.
What property types are eligible?
DSCR loans are available for single-family homes, condos, and 1–8 unit properties.
Trusted by Real Estate Investors Nationwide
$500M+
Funding Requests / Month
2,500+
Investors Matched / Month
25+
Lending Partners
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Frequently Asked Questions
Are dscr loans fixed rate?
DSCR loans can be offered as either fixed-rate or adjustable-rate mortgages, providing flexibility for investors.
How do I qualify for a dscr loan?
Qualifying for a DSCR loan focuses on the property's rental income covering the mortgage payments, not your personal income.
How does dscr loan work?
DSCR loans work by using the property's rental income to qualify the borrower, not their personal income, making it easier for investors to finance rental properties.
What are the requirements to qualify for a dscr loan?
To qualify for a DSCR loan, the property's rental income must cover the mortgage payments, typically requiring a DSCR of 1.0 or higher.
Are dscr loans interest only?
DSCR loans can be structured as interest-only for a period, offering lower initial payments. However, full amortization with principal and interest payments is also common.
How dscr loans work?
DSCR loans work by qualifying borrowers based on the property's rental income, not personal income, making it easier for investors to finance rental properties.
Is dscr a conventional loan?
DSCR loans are not considered conventional loans. They are a type of investment property loan that focuses on the property's income, not the borrower's personal financial history.
Do dscr loans report to credit bureaus?
DSCR loans typically do not report to credit bureaus, as they focus on property income, not personal credit history.
What do you need to qualify for a dscr loan?
To qualify for a DSCR loan, you primarily need a property with sufficient rental income to cover the mortgage payments, and a good credit score.
Do dscr loans require 20 down?
DSCR loans do not always require a 20% down payment. While it's common, some lenders may offer options with lower down payment requirements.
Does dscr loan require appraisal?
DSCR loans typically require an appraisal to determine the property's value and its income-generating potential. This helps lenders assess risk and ensure the loan is adequately secured.
Are dscr loans legit?
DSCR loans are absolutely legitimate. They are a widely recognized and utilized financing tool for real estate investors, based on property income, not personal income.
Do dscr loans require a down payment?
DSCR loans may require a down payment, typically ranging from 20% to 25%, depending on the lender and specific loan terms.
Do dscr loans require down payment?
DSCR loans may require a down payment, typically ranging from 20% to 25%, depending on the lender and specific loan terms.
What are dscr loan requirements?
DSCR loan requirements primarily focus on the property's Debt Service Coverage Ratio (DSCR), often needing a minimum of 1.20, and may include credit score and down payment considerations.
Is a dscr loan a good idea?
A DSCR loan is a good idea for real estate investors seeking financing based on rental income, offering flexibility and no personal income verification.
How much do you need down for a dscr loan?
For a DSCR loan, the down payment typically ranges from 20% to 25%. This allows investors to qualify based on property income, not personal income.
How do you calculate dscr on a loan?
DSCR on a loan is calculated by dividing the property's Net Operating Income (NOI) by its total debt service. This ratio indicates the property's ability to cover its mortgage payments.
Are dscr loans a good idea?
DSCR loans are a good idea for real estate investors seeking financing based on rental income, offering flexibility and potentially faster closing times without personal income verification.
Does dscr loan require down payment?
DSCR loans do not always require a down payment. While some lenders may require a down payment, many offer options with minimal or no down payment, depending on the property and borrower.
Are dscr loans good?
DSCR loans are good for real estate investors because they allow qualification based on property income, not personal income, offering flexibility and faster closings.
Do dscr loans require appraisal?
DSCR loans may require an appraisal to determine the property's value and rental income potential for lenders.
Do dscr loans show on credit report?
DSCR loans typically do not show on your personal credit report, as they are secured by the property's income, not your personal creditworthiness.
What are the requirements for a dscr loan?
DSCR loan requirements focus on the property's net rental income covering the mortgage payment, not personal income. This ensures the property can sustain the loan.
What do dscr loans require?
DSCR loans primarily require the property's rental income to cover the mortgage payment, often with a Debt Service Coverage Ratio of 1.0 or higher.
How long does a dscr loan take?
DSCR loan closing times vary, but typically range from 2-4 weeks. This speed is a key advantage for investors needing quick financing for rental properties.
What documents are needed for a dscr loan?
For a DSCR loan, you typically need property details, lease agreements, and proof of insurance. No personal income verification is usually required.
How hard is it to get a dscr loan?
Getting a DSCR loan is often easier than traditional loans as qualification is based on property income, not personal income.
How many dscr loans can you have?
You can have multiple DSCR loans. There is no limit to the number of DSCR loans you can obtain, allowing you to scale your real estate investment portfolio.
What are dscr loan eligibility criteria?
DSCR loan eligibility criteria focus on the property's income-generating potential, not personal income, with flexible guidelines for investors.