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DSCR Loan Financing

Qualify for investment property financing based on your property's rental income — not your personal W-2 or tax returns. DSCR loans let you scale your portfolio without the income documentation headaches of conventional mortgages. Available for single-family, multi-family, and short-term rental properties across the U.S.

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1

Strategy Call

Discuss your investment goals and property

2

Property Analysis

We qualify your deal based on rental income

3

Get Funded

Close in as few as 30 days

Why DSCR

Investment Property Financing Without the Income Hassle

Conventional mortgages require extensive personal income documentation and limit you to 10 financed properties. DSCR loans remove both barriers, letting you qualify on the property's cash flow alone.

No W-2
Income Docs Required
$2B+
Total Financing
30
Day Closings
30yr
Fixed Rate Terms

No Personal Income Verification

Qualify based entirely on the property's rental income. No W-2s, no tax returns, no employer verification — just the deal's cash flow.

Close in Your LLC

DSCR loans can close directly in your LLC or corporation, keeping your personal liability separate from your investment properties.

Fast 30-Day Closings

Streamlined underwriting focused on the property means faster approvals and closings, often within 30 days of application.

Competitive Rates

Access 30-year fixed-rate terms with competitive interest rates. No balloon payments, no adjustable rate surprises.

Unlimited Properties

Unlike conventional loans capped at 10 financed properties, DSCR loans have no portfolio limits — scale as fast as you can find deals.

Airbnb & STR Friendly

Short-term rental income from Airbnb, VRBO, and other platforms is accepted for DSCR qualification on eligible properties.

Ready to qualify based on your property's income?

Let's analyze your deal and find the right DSCR loan for your investment.

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Loan Programs

DSCR Financing Solutions for Every Strategy

Whether you're buying your first rental, scaling a portfolio, or financing Airbnb properties, we have a DSCR loan program designed for your investment strategy.

Purchase

Purchase rental properties using DSCR qualification — no W-2s, no tax returns, no employer verification. We evaluate the property's rental income against the mortgage payment to determine eligibility, so you can close faster and scale without personal income limits.

Discuss this financing option

What's Included

  • Qualify on projected or actual rental income
  • Single-family, 2-4 unit, and 5+ unit properties
  • As little as 20% down for strong DSCR ratios
  • Close in your LLC or personal name
  • 30-year fixed-rate terms available

Refinance

Refinance existing investment properties into a DSCR loan to lower your rate, extend your term, or pull cash out for your next acquisition. Ideal for investors who originally purchased with hard money, bridge loans, or conventional financing.

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What's Included

  • Rate-and-term or cash-out refinance
  • No seasoning requirement on some programs
  • Pull equity for your next deal
  • Consolidate higher-rate debt
  • No personal income documentation

Cash-Out

Access the equity you've built in your rental properties through a DSCR cash-out refinance. Use the proceeds to fund renovations, acquire additional properties, or strengthen your reserves — all qualified on the property's income.

Discuss this financing option

What's Included

  • Up to 75-80% LTV on cash-out
  • Based on current appraised value
  • No limit on number of cash-out refinances
  • Use proceeds for any investment purpose
  • BRRRR strategy compatible

Short-Term Rental

Finance short-term rental properties using projected or actual Airbnb/VRBO income for DSCR qualification. We work with lenders who accept platform income data, AirDNA projections, and actual booking history to qualify your STR investment.

Discuss this financing option

What's Included

  • Airbnb/VRBO income accepted
  • AirDNA projections for new acquisitions
  • Actual booking history for refinances
  • Vacation rental markets nationwide
  • Furnished property valuations

LLC Financing

DSCR loans close directly in your LLC, S-Corp, or other business entity — providing liability protection and cleaner portfolio management. No personal guarantee on select programs for experienced investors with strong DSCR ratios.

Discuss this financing option

What's Included

  • Close in LLC, S-Corp, or trust
  • Asset protection from personal liability
  • Simplified portfolio accounting
  • Non-recourse options available
  • Multiple entity structures supported

Portfolio

Consolidate multiple DSCR-qualifying properties under a single blanket mortgage. Portfolio DSCR loans simplify management, reduce closing costs on a per-property basis, and can offer improved terms for larger portfolios.

Discuss this financing option

What's Included

  • Single loan for 5+ properties
  • Individual release provisions
  • Simplified monthly payments
  • Better terms at scale
  • Cross-collateralization options
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FAQ

Questions About DSCR Financing Solutions for Every Strategy

Everything you need to know about dscr financing solutions for every strategy.

DSCR Loan Basics

A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies you based on the property's rental income rather than your personal income. If the property's rental income covers the mortgage payment — typically at a ratio of 1.0 or higher — you can qualify regardless of your W-2, tax returns, or employment status.
DSCR is calculated by dividing the property's gross rental income by the total mortgage payment (principal, interest, taxes, insurance, and HOA if applicable). For example, if a property rents for $2,000/month and the total mortgage payment is $1,600/month, the DSCR is 1.25. Most lenders require a minimum DSCR of 1.0 to 1.25.
No traditional job or personal income verification is required. Since the loan is qualified based on the property's cash flow, your personal debt-to-income (DTI) ratio is not calculated. This is ideal for retirees, self-employed investors, or those with complex tax returns.
Yes! We have specific DSCR programs that use AirDNA data or actual short-term rental history to qualify the loan. Many investors use this to acquire or refinance vacation rentals that might not qualify under traditional long-term lease requirements.

Loan Qualification & Strategy

Most DSCR lenders look for a credit score of 620 or higher. However, the best rates and highest LTVs (up to 80%) are typically reserved for borrowers with scores over 720.
Unlike conventional loans which are often capped at 10 properties, there is generally no limit to the number of DSCR loans you can have. This makes DSCR the preferred tool for investors looking to scale their portfolios into dozens or hundreds of units.
Yes, in fact, most DSCR lenders prefer or even require you to close in a business entity like an LLC. This provides an extra layer of liability protection and keeps your personal and business finances separate.
Most DSCR loans come with a prepayment penalty, typically ranging from 1 to 5 years. However, many lenders offer "buy-down" options where you can pay a slightly higher interest rate or upfront fee to reduce or eliminate the penalty.
DSCR loans are available for single-family residences (SFR), 2-4 unit multi-family, and even 5-8 unit small commercial residential properties. They must be non-owner occupied investment properties.
Absolutely. Many investors use DSCR cash-out refinances to pull equity from their performing rentals to fund their next acquisition. LTVs for cash-out typically go up to 75%.

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