Qualify Using Property Income – Not Your Personal Income

Grow your real estate portfolio with flexible Debt Service Coverage Ratio (DSCR) loans designed specifically for investors. Whether you’re purchasing your first rental property or expanding a portfolio of investment homes, we make financing simple with competitive rates, fast approvals, and flexible qualification guidelines.

No Tax Returns. No W-2s. No Employment Verification.

Instead of qualifying based on your personal income, DSCR loans use the rental income generated by the property to determine eligibility.

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• Investment Property Financing

• Short-Term Rental Financing

• Long-Term Rental Loans

• Cash-Out Refinance

• Portfolio Expansion

• Fast Closings

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What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan is a mortgage designed for real estate investors. Unlike conventional loans that rely heavily on your personal income, a DSCR loan evaluates whether the property’s rental income can cover the monthly mortgage payment.

This makes DSCR financing one of the easiest and fastest ways for investors to purchase or refinance income-producing properties.

Whether you own one rental property or dozens, DSCR loans provide the flexibility investors need to continue growing their wealth.

How Does DSCR Work?

DSCR compares a property’s monthly rental income to its monthly housing expenses.

Simple Formula

Monthly Rental Income ÷ Monthly Mortgage Payment = DSCR

Example

Monthly Rent: $2,500

Monthly Mortgage Payment: $2,000

DSCR = 1.25

A DSCR above 1.00 generally indicates that the property generates enough income to cover its mortgage payment.

Higher ratios often qualify for better loan terms.

Why Choose a DSCR Loan?

No Personal Income Verification

Skip the hassle of providing tax returns, pay stubs, W-2s, or employment history.

Qualify Based on Rental Income

The property’s cash flow—not your personal income—is the primary qualifying factor.

Perfect for Self-Employed Investors

Ideal for entrepreneurs, business owners, freelancers, and investors whose taxable income doesn’t reflect their true earning potential.

Finance Multiple Properties

Continue growing your investment portfolio without traditional lending limitations.

Purchase or Refinance

Use a DSCR loan for:

• Purchasing rental properties

• Rate-and-term refinancing

• Cash-out refinancing

• Portfolio expansion

LLC Ownership Available

Many DSCR loan programs allow investment properties to be purchased or refinanced under an LLC for asset protection and business purposes.

Eligible Property Types

Our DSCR loan programs can finance a wide range of investment properties, including:

• Single-Family Homes

• Condominiums

• Townhomes

• 2–4 Unit Properties

• Multifamily Investments

• Short-Term Rentals (Airbnb & VRBO)

• Vacation Rentals

• Mixed-Use Properties (select programs)

Ideal Borrowers

DSCR loans are an excellent fit for:

• First-Time Real Estate Investors

• Experienced Investors

• House Flippers Holding Rentals

• Airbnb Hosts

• Portfolio Landlords

• Self-Employed Borrowers

• LLC Investors

• Real Estate Entrepreneurs

Cash-Out Refinance

Unlock the equity you’ve built in your investment property.

A DSCR cash-out refinance allows you to:

• Purchase another investment property

• Renovate existing rentals

• Consolidate higher-interest debt

• Increase cash flow

• Grow your portfolio faster

Many investors use cash-out refinancing to leverage existing equity into additional income-producing properties.

Short-Term Rental Financing

Own or plan to purchase an Airbnb or vacation rental?

Many DSCR programs allow financing based on projected short-term rental income instead of traditional long-term lease income.

This makes it easier for investors to qualify for highly profitable vacation rentals and short-term rental properties.

Benefits of Working With a Mortgage Broker

As an independent mortgage broker, we shop multiple wholesale lenders to find competitive DSCR loan options that fit your investment strategy.

Our advantages include:

• Access to multiple DSCR lenders

• Competitive wholesale rates

• Flexible investor programs

• Fast underwriting

• Personalized financing strategies

• Expert guidance throughout the process

Instead of being limited to one lender’s products, we’ll compare multiple programs to help you secure the financing that best meets your goals.

Frequently Asked Questions

Do I need tax returns?

No. Most DSCR loan programs do not require tax returns to qualify.

Do I need employment verification?

Generally, no. Qualification is primarily based on the property’s rental income rather than your employment.

Can first-time investors qualify?

Yes. Many programs are available for first-time real estate investors, provided other eligibility requirements are met.

Can I purchase property in an LLC?

Yes. Many DSCR lenders allow borrowers to purchase or refinance investment properties under an LLC.

Can I finance Airbnb properties?

Yes. Many DSCR loan programs are available for eligible short-term rental properties.

Is there a minimum DSCR required?

Minimum DSCR requirements vary by lender and loan program. Some programs offer flexible options for properties with lower coverage ratios.

Can I refinance an existing investment property?

Absolutely. Both rate-and-term and cash-out refinance options are available for eligible investment properties.

How quickly can I close?

Many DSCR loans can close within a few weeks, depending on the property, appraisal, and documentation.

Ready to Expand Your Real Estate Portfolio?

Whether you’re purchasing your next rental property, refinancing an investment home, or building a long-term real estate portfolio, we’re here to help you find the right financing solution.

Our experienced mortgage specialists will compare multiple DSCR loan options to help you secure competitive rates and flexible terms tailored to your investment goals.

Get Started Today

Take the next step toward growing your real estate investments with a DSCR loan designed around your property’s income—not your personal finances.

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