DSCR Loans
DSCR Loans —
No Income Verification Required
Qualify based on your property's rental income — not your personal tax returns. Perfect for real estate investors who are self-employed, have complex income, or simply want a faster, simpler path to financing.
Loan Range
$100K – $5M+
Max LTV
Up to 85%
Property Types
SFR, 2–4 Unit, Multi-Family, Condo
Credit Check
No credit check to get started
Income Docs
No personal income verification
Geography
All 50 states, Canada & Caribbean
FREE Loan Analysis
Tell Us About Your Property
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the income the property generates — not your personal income, tax returns, or W-2s. If the property's rental income covers the mortgage payment, you can qualify.
DSCR loans are ideal for real estate investors who own multiple properties, are self-employed, or have income that doesn't show well on paper. No income verification. No employment history required. Just the numbers on the property.
No Income Verification
Qualify based on rental income — not personal tax returns or W-2s.
Up to 85% LTV
Finance up to 85% of the property value on qualifying properties.
No Credit Check to Start
We do not check your credit to begin the process. Get started today.
1–4 Unit & Multi-Family
Single family, 2–4 unit, condos, and multi-family properties eligible.
Fast Closings
Streamlined process means faster closings than traditional loans.
All 50 States
Available nationwide — all 50 states, Canada, and the Caribbean.
How DSCR Qualification Works
01
Property Income Is Evaluated
We look at the property's gross rental income — current leases or market rent — to determine what the property can support.
02
DSCR Ratio Is Calculated
We divide the monthly rental income by the total monthly debt payment (PITIA). A ratio of 1.0 or higher typically qualifies. Some programs allow below 1.0.
03
We Match You to a Program
We connect you with the right DSCR program through our relationships with Lenders who we Respect and Value — getting you the best rate and terms for your situation.
04
Fast Close — You Get Funded
No income docs to chase down means a faster, cleaner closing. We stay with you through every step of the process.