Qualify on the rent,
not your tax return.
DSCR loans let real estate investors finance 1–4 unit rentals, short-term rentals, and portfolios using the property's cash flow — no W-2s, no tax returns, no personal income verification.
- Loans from $150K to $3M
- As little as 20% down
- LLC & entity vesting OK
- 30-year fixed & interest-only
- Airbnb / STR income accepted
- Close in as little as 21 days
Built for the way investors actually buy.
We qualify the property, not your paystubs. No tax returns or employment verification.
Single-family, 2–4 units, condos, and short-term rentals — including Airbnb income.
Streamlined underwriting means most files close in 21–30 days.
Vest in your LLC or entity to protect personal assets and simplify bookkeeping.
Simple math. Powerful leverage.
DSCR (Debt Service Coverage Ratio) is the property's monthly rent divided by its monthly PITIA payment. A DSCR of 1.0 means the rent fully covers the mortgage. We work with programs down to 0.75 so more properties qualify.
Cash-flow positive properties typically qualify for best pricing.
| Minimum FICO | 550+ |
| Minimum DSCR | 0.75 – 1.00+ |
| Down payment | As low as 20% |
| Loan amount | $150K – $3M |
| Property types | SFR, 2–4 unit, condo, STR |
| Vesting | Personal or LLC / entity |
| Cash-out | Up to 75% LTV |
| Terms | 30-yr fixed, 5/6 & 7/6 ARM, IO |
From application to keys in 4 steps.
- 1Quick Application
5-minute form — no tax returns required.
- 2Rent & DSCR Review
We run the numbers and issue terms in 24 hours.
- 3Appraisal & Lock
Lock your rate; we order the appraisal and title.
- 4Fund & Close
Close in as little as 21 days — often faster on refis.
Answers, not sales pitches.
Do I need to show tax returns or pay stubs?+
No. DSCR loans qualify based on the property's rental income vs. the mortgage payment — no personal income documentation required.
Can I close in my LLC?+
Yes. Most investors vest in an LLC or other business entity for asset protection and portfolio management.
What if the property doesn't cash flow at 1.0?+
We have programs down to a 0.75 DSCR (and no-ratio options with stronger down payments). Talk to us — most properties qualify.
Are short-term rentals (Airbnb / VRBO) eligible?+
Yes. We can use market rents or documented STR revenue depending on the program.
How is this different from a conventional loan?+
Conventional loans qualify you personally. DSCR loans qualify the property — so there's no cap on the number of financed properties tied to your personal DTI.