Let the Property Qualify for the Loan—Not Your Tax Returns

DSCR (Debt Service Coverage Ratio) loans approve you based on the property's value and rental cash flow—not personal or company income documentation. Ideal for investors who want to scale faster with competitive rates, fast approvals, and flexible underwriting.

Get Pre-Approved with a DSCR LoanSchedule a Free Investor Consultation

Nationally Licensed Broker • Equal Housing Lender

"Your Deals Make Sense—But Traditional Lenders Don't See It"

As a real estate investor, you've probably heard this more than once:

"We need full tax returns, K-1s, and detailed income documentation."

You know the deal works:

  • The rents easily cover the payment
  • The location and demand are solid
  • The numbers support your strategy

But conventional lenders are focused on:

  • Personal tax returns that are full of write-offs
  • Complex corporate structures and multiple entities
  • Debt-to-income ratios that don't reflect how investors operate

The result:

  • Strong deals get delayed or denied
  • You miss opportunities because you can't move fast enough
  • You're penalized for having a real investor's financial profile

DSCR loans change the approval conversation from "What do you earn?" to "How does the property perform?"

DSCR Loans: Focused on the Property's Value & Cash Flow

A DSCR (Debt Service Coverage Ratio) loan is a Non-QM loan designed specifically for real estate investors.

Instead of qualifying you based on personal or business income, DSCR loans primarily look at:

  • •The property's rental income
  • •The property's projected mortgage payment
  • •The property's value and condition

If the property's rent can support its payment and meets program guidelines, you may qualify without providing personal or company income documentation.

With our DSCR loan options, you get:

Competitive investor-focused rates

Fast approvals so you can move quickly on deals

Flexible underwriting designed for investors

See If Your Property QualifiesTalk with a DSCR Loan Specialist

What Is DSCR (Debt Service Coverage Ratio) in Simple Terms?

DSCR measures how well a property's income covers its debt.

In plain language:

DSCR = Monthly Rent / Monthly Mortgage Payment (PITI + HOA if applicable)

  • DSCR of 1.0 → Rent roughly equals the payment
  • DSCR above 1.0 → Rent more than covers the payment

Many DSCR programs begin around 1.0–1.1+, with options for stronger or weaker DSCR depending on the scenario and pricing.

Who DSCR Loans Are Best For

  • Buy-and-hold investors
  • Short-term and mid-term rental operators (where eligible)
  • Investors using BRRRR or similar value-add strategies
  • Investors with multiple properties and complex tax returns
  • Borrowers who don't want personal income limits slowing portfolio growth

If you care more about cash flow and cap rate than paystubs and W-2s, DSCR loans are built for you.

What We Look At Instead of Income Docs

With DSCR, the emphasis is on the deal, not your job. We focus on:

  • Fair market rent (from an appraiser's rent schedule or current lease)
  • The estimated mortgage payment
  • The property's value and condition
  • Your credit profile, reserves, and experience as an investor

We generally do not ask for:

  • Personal tax returns
  • W-2s or paystubs
  • Corporate P&Ls or full business financials

The property's numbers drive the approval.

DSCR Loan Highlights

  • Approval based primarily on property cash flow and value
  • No personal or company income documentation required in many programs
  • Ideal for single-family, 2–4 units, and many short-term rentals
  • Competitive rates built for investors, not just owner-occupants
Check Your Property's DSCR & Get Pre-Approved

Why Investors Use DSCR Loans to Grow Faster

You're not just buying a home—you're building a portfolio. Your financing should match that mindset.

Competitive Rates for Investment Properties

DSCR loans are designed for investors, with pricing that reflects property type, DSCR strength, credit score, and LTV. As a nationally licensed broker, we shop multiple DSCR lenders to help you access competitive investor-focused rates.

Fast Approvals That Keep Up with Deal Flow

In competitive markets, speed is leverage. We quickly estimate DSCR, align you with potential programs and terms, and move your file into underwriting efficiently. Many investors receive a credit decision in as little as 24–48 hours.

Flexible Underwriting Built for Real Investors

DSCR underwriting focuses on how well the subject property's rent covers the payment, your credit and reserves, and your experience. It's a far more practical approach for serious investors with multiple entities and write-offs.

Get My DSCR Loan OptionsTalk to a DSCR Lending Specialist

From Property Numbers to DSCR Pre-Approval in 5 Steps

We keep the process streamlined so you can stay focused on finding deals.

1

Quick Deal Snapshot (5–10 Minutes)

We'll gather the basics:

  • Property address and type (SFR, duplex, etc.)
  • Purchase price or estimated value
  • Current or projected monthly rent
  • Desired loan amount and closing timeline
2

DSCR Estimate & Program Match

Using your numbers, we:

  • Estimate your DSCR
  • Review likely program fit and LTV options
  • Outline potential rates and structures

You'll know if the deal pencils out from a lender's perspective before you invest more time.

3

Secure Upload of Core Documents

You'll typically provide:

  • Purchase contract (for acquisitions) or existing lease/rent data (for refis)
  • Basic ID and credit authorization
  • Proof of reserves, where required

Notice what's not on the list: no personal tax returns or paystubs.

We then confirm value through appraisal, validate rental income via leases or rent schedule, and finalize your DSCR calculation for underwriting.

4

Underwriting & Pre-Approval / Term Sheet

Once the property's numbers are verified:

  • We structure a DSCR loan scenario with investor-focused pricing
  • Submit it to our DSCR underwriters
  • Work toward a fast approval decision, often within 24–48 hours of having a complete file

You'll receive a pre-approval or loan terms you can use to negotiate confidently.

5

Lock Terms & Close on Your Investment

When you're ready to proceed:

  • We lock in your rate and terms
  • Coordinate appraisal, title work, and closing
  • Keep you updated, so you can focus on sourcing your next deal

Deals, rates, and guidelines shift quickly. Having DSCR pre-approval in place gives you an edge when the right property hits the market.

Get Pre-Approved with a DSCR Loan TodaySchedule an Investor Consultation to Review Your Deals

How Investors Use DSCR Loans to Scale

"My tax returns are a mess of write-offs and K-1s. With DSCR, we focused on rent and value. I was able to close on multiple rentals without having to untangle my entire financial life."

— M., Buy & Hold Investor

"Traditional lenders kept asking for more income docs. The DSCR program cared about one thing: does the property cash flow? That let me move quickly on a great deal."

— J., Small Portfolio Landlord

"Short-term rentals made my income look inconsistent on paper. DSCR financing let me qualify based on actual performance instead of trying to fit into a W-2 box."

— T., STR Operator

*Testimonials are illustrative examples of common investor experiences. Actual approvals, terms, and timelines depend on credit, property, reserves, and program guidelines.

Nationally Licensed Broker • Equal Housing Lender

Frequently Asked Questions About DSCR Loans

Ready to Let the Property Do the Heavy Lifting?

You already analyze deals based on rent, expenses, and returns.

Now you can use a loan that speaks the same language.

Get Pre-Approved with a DSCR LoanSchedule a 1:1 DSCR Strategy Consultation

Secure online form • No obligation • Fast answers once your property info is reviewed