DSCR
Qualify Based on Property Cash Flow — Not Your Income
Real estate investors : Stop jumping through hoops with tax returns and income verification. with our DSCR (Debt Service Coverage Ratio) loan program, you can qualify based on the property’s rental income—not your personal income.
No Tax Returns. No Income Docs. No Headaches.
If the deal makes sense, you can get financed.
How It Works:
- Approval based on rental income vs. mortgage payment
- No personal income verification required
- No tax returns, W-2s, or employment needed
- Close in LLCs available
- Short-term rental income may qualify
Built for investors who move fast
- Purchase or refinance investment properties
- Expand your portfolio without income limits
- Ideal for Airbnb, long-term rentals, and mixed portfolios
Scale Smarter
Your borrowing power shouldn’t be capped by your personal income. With DSCR loans, your portfolio can grow as fast as your deals do.
FAQ's
How is DSCR calculated?
DSCR is calculated by dividing a property's net operating income by its annual mortgage payments.
Can I refinance with a DSCR Loan?
Yes, DSCR Loans can be used to refinance existing investment properties.
What documents are needed?
Typically, you'll need property income documents such as leases, rent rolls, and operating statements.
