- Loan Programs
- / DSCR Rental
- Loan Programs
DSCR Loans — Qualify on the Property, Not Your Paycheck
Build your rental portfolio without tax returns, W-2s, or DTI limits. We qualify the deal using the property’s rental income.
Get Your DSCR Quote
Purchase
50
% LTV
+ ARM & IO Options
10
-Yr Fixed
No Income Docs
Qualify on Rent
Unlimited
Properties
- What It Is
Qualify on Cash Flow, Not Your Income
A DSCR loan is a long-term rental loan where approval is based on whether the property’s rent covers the mortgage payment — the Debt Service Coverage Ratio.
There’s no personal income verification: no tax returns, no W-2s, no DTI cap.
If the rent covers the payment, the deal works.
No Income Docs
No tax returns, W-2s, or paystubs required.
Close in an LLC
Hold rentals cleanly in your business entity.
Long-Term Stability
30-year options for steady rental growth.
Scale Without Limit
Finance one property or a full portfolio.
- At a Glance
DSCR Loan Terms
$75K – $2M+
Loan Amount
Up to 80%
Max LTV
1.0x
Min DSCR
30-Yr Fixed
Term
None
Income Docs
SFR – 4 Unit
Properties
- How It Works
From Property to Funded in Four Steps
01
Tell Us the Property
Share the rent, value, and loan details.
02
We Run the DSCR
We calculate rent supports the loan.
03
Appraisal & Schedule
We confirm value, rent, and closing items.
04
Close & Cash Flow
Close the loan and keep build portfolio.
- Recently Funded
DSCR Deals We've Closed
$385,000
San Diego, CA
- Closed in 9 days
$272,000
Austin, TX
- Closed in 16 days
$640,000
Phoenix, AZ
- Closed in 6 days
- FAQ
DSCR Questions, Answered
How is DSCR calculated?
DSCR = the property’s monthly rent divided by the total monthly debt service (principal, interest, taxes, insurance, and HOA). A DSCR of 1.0x means rent exactly covers the payment; above 1.0x means it cash-flows. Use the calculator above to estimate yours.
Can I close in an LLC?
Yes. DSCR loans are designed for investors and most programs allow — or prefer — vesting title in an LLC or other entity.
Is there a limit on the number of properties?
No. Unlike conventional financing, there’s no cap on the number of financed properties — you can keep scaling your portfolio.
Do you count Airbnb / short-term rental income?
Yes. Many of our DSCR programs accept short-term rental income, typically supported by a market rent analysis or platform revenue history.
Can I do a cash-out refinance?
Absolutely. DSCR cash-out refinances let you pull equity from existing rentals to reinvest — a common way investors fund their next purchase.