DSCR & Investment Property Loans
DSCR loans let real estate investors finance rental properties based on what the property earns. No W-2. No employment history. No income documentation required.
A signed lease or market rent analysis establishes the property's monthly income.
Monthly rent ÷ full housing payment = DSCR ratio. A ratio at or above 1.0 typically qualifies.
No W-2, tax returns, or employment verification. The deal qualifies on property performance.
No limit on the number of DSCR properties you can hold. Build your portfolio faster.
Already own rentals and want to keep scaling without your personal income being the bottleneck.
Strong income on paper but high write-offs suppress your AGI. DSCR bypasses that problem entirely.
Qualify Airbnb and VRBO properties using actual cash flow from platforms or market rent analysis.
Hit the conventional loan count ceiling? DSCR has no such limit. Keep acquiring.
Licensed in IL, IN, MI, NJ & TX
Tell us about the property. We'll show you whether it qualifies and which DSCR lender is the best fit for your strategy.