DSCR LoansBuilt on the Property.
Investment-property financing qualified by rental cash flow — not your income.
Program Overview
DSCR (Debt-Service Coverage Ratio) loans let real-estate investors qualify based on the property's rental income rather than personal tax returns, W-2s, or DTI. It's the modern way to scale a rental portfolio — clean, fast, and structured around the asset.
Why This Program
Structured around the deal.
No DTI
We underwrite the property's cash flow, not your personal debt-to-income ratio.
No Tax Returns
No W-2s, no personal tax returns, no employment verification required.
LLC Vesting
Close in your LLC for clean liability and portfolio structure — standard, not exception.
Ideal Scenarios
Built for deals like these
- Buying a single-family or 1–4 unit rental in any market
- Refinancing a rental into long-term financing after a flip or BRRRR
- Cash-out refinance to redeploy equity into the next deal
- Acquiring short-term-rental properties (STR / vacation rentals)
- Building a portfolio across multiple LLCs
What We'll Need
To get you an indication
- Property address and purchase or refinance scenario
- Estimated market rent (or lease, if already in place)
- Purchase price / appraised value / loan amount needed
- Entity information (LLC, if vesting in an entity)
- Investor experience snapshot (optional, but helpful)
FAQ
Common Questions
Do I need to verify personal income?+
No. DSCR loans qualify based on the property's rental cash flow — not your personal income or DTI. There's no W-2 or tax return requirement.
Can I close in an LLC?+
Yes. We routinely close DSCR loans in single-member or multi-member LLCs, which is a common structure for investors building portfolios.
What property types qualify?+
Single-family rentals, 2–4 unit properties, condos, townhomes, and small multifamily. Short-term rental (STR) scenarios are also reviewed case-by-case.
Can first-time investors qualify?+
Yes — qualifying still focuses on the property's cash flow rather than landlord experience, though investor experience can strengthen pricing on some files.