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.
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.
Qualify based entirely on the property's rental income. No W-2s, no tax returns, no employer verification — just the deal's cash flow.
DSCR loans can close directly in your LLC or corporation, keeping your personal liability separate from your investment properties.
Streamlined underwriting focused on the property means faster approvals and closings, often within 30 days of application.
Access 30-year fixed-rate terms with competitive interest rates. No balloon payments, no adjustable rate surprises.
Unlike conventional loans capped at 10 financed properties, DSCR loans have no portfolio limits — scale as fast as you can find deals.
Short-term rental income from Airbnb, VRBO, and other platforms is accepted for DSCR qualification on eligible properties.
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 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.
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.
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.
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.
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.
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.
Pick the stage that matches your file — then follow the links.
First rental through door four — learn, underwrite, get approved.
Past the four-mortgage wall — portfolio structure and the next acquisition.
Canadians buying US cash-flow — DSCR, entities, and state playbooks.
5+ units, CMHC MLI, development takeout, and capital plans.
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Everything you need to know about dscr financing solutions for every strategy.
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