DSCR Loans
Financing Based on Rental Income, Not Personal Income
If the Numbers Work, You Qualify
Unlike conventional loans that require tax returns, W2s, or personal income verification, our DSCR loans focus solely on your property's cash flow. We don't need to see any financial documents or question your debt-to-income ratio. All we care about is whether the property itself can pay for itself.
We look at whether your rental income covers your mortgage payment. If the numbers work, you qualify. This makes DSCR loans ideal for real estate investors who own multiple properties, have significant depreciation write-offs, or prefer to keep their personal income separate from their investments.
Why Choose Our DSCR Loans
✅ Up to $3M on SFR, 2-4 units & multifamily — up to $5M on portfolio loans
✅ Qualify based on rental income — no tax returns, W2s, or pay stubs
✅ Streamlined process closes in as little as 10 days
✅ Cash-outs up to $1M (can be used as reserves)
✅ 30 and 40-yr fixed / Interest-only options available
✅ No minimum DSCR requirement — unlike traditional lenders that demand 1.0, 1.15, or even 1.25
✅ We can make the loan work even if rental income falls short of the mortgage payment
✅ More flexibility for emerging neighborhoods, rent-controlled markets, or areas where rents haven't caught up
✅ You bring the investment opportunity — we bring the financing, even when numbers are tight
✅ Up to 80% LTV (most lenders cap at 75%)
✅ As little as 20% down
✅ 740+ FICO = up to 85% LTV (just 15% down)
✅ Preserve more capital for renovations, reserves, or your next acquisition
✅ Higher credit scores unlock better leverage — put more of the bank's money to work for you
✅ Minimum 640 FICO — compared to other lenders that require 660 or 680+
✅ Score 740+? Get up to 85% LTV — meaning even less money down
✅ Lower credit scores still welcome — we're more flexible than traditional DSCR lenders
✅ No minimum DSCR requirement — your credit score doesn't force a higher ratio
✅ Credit challenges? Prior foreclosure or bankruptcy? We can still help
✅ Single-family
✅ 2-4 units
✅ Multifamily (5+ units)
✅ Airbnb & short-term rentals
✅ Non-warrantable condos
✅ First-time buyers
✅ No experience required
✅ Start building your portfolio from day one
✅ No minimum properties owned
✅ Learn as you grow — we finance your first deal
