DSCR loans for investors

Scale the portfolio. Skip the paperwork.

DSCR loans qualify you on your rental's cash flow, not W-2s, tax returns, or last year's accountant drama. Built for investors who want to move fast, whether it's your first rental or your fiftieth.

  • Qualify on the property's rent, not your tax returns
  • Loans from $75K to $3M+, up to 85% LTV
  • Close in your LLC and keep your portfolio clean
Get a DSCR quoteCalculate my DSCR

Sample DSCR

1.25×

Qualifies above 1.0×No W-2s required
Monthly rent$3,750
Payment (PITI)$3,000
Monthly cash flow+$750

Sample numbers. We'll run your specific deal in minutes.

What DSCR unlocks

A loan built for the way deals actually move.

Whether you're closing your first rental or your fiftieth, DSCR keeps the math on the property, not on you.

Single-family + 2–4 units

Buy your next rental

Add the next door, or the next 10. SFR, condo, townhome, or small multifamily, all on one program.

Rate & term refi

Refinance into better terms

Already own it? Refi into a better rate, longer term, or fixed-rate stability without dragging in personal income.

Up to 75% LTV

Cash out to fund the next deal

Pull equity from a performing rental and redeploy it into the next acquisition. Compound your portfolio.

No tax returns

Self-employed friendly

Stop explaining write-offs to underwriters. The property's income is what we underwrite, not yours.

No DTI limits

Stack without DTI drag

Traditional loans cap how many properties you can stack. DSCR doesn't care about your debt-to-income.

Personal or entity

LLC vesting

Close in your LLC to keep liability clean and your personal finances separate from the portfolio.

DSCR vs traditional

Less filing cabinet. More closings.

Traditional investor loans dig through your personal finances and cap how many properties you can stack. DSCR loans skip all of that, and let the deal stand on its own.

Run my deal

No W-2s, no tax returns

We don't pull your personal income. The property's rent does the talking.

FICO from 620+

Decent credit gets you in the door. The deal itself does most of the lifting.

Up to 85% LTV

More leverage than most investor loans, so your capital stretches further.

Loans up to $3M+

Single rentals or larger plays, one program scales with your portfolio.

DSCR vs. traditional

Two ways to finance a rental. One scales.

Both can fund the deal, but they underwrite very differently. Here's the side-by-side.

Qualification
DSCRThe property's rental income, DSCR ratio of the rent vs. payment
TraditionalYour personal income, W-2s, and debt-to-income ratio
W-2s / tax returns
DSCRNot required
TraditionalTwo years of W-2s plus full tax returns
Title vesting
DSCRVest in your personal name or an LLC
TraditionalUsually personal name only
Portfolio cap
DSCRNo limit on number of financed properties
TraditionalTypically capped at 10 financed properties
Speed to close
DSCRFast: days, not weeks
TraditionalSlow: heavy underwriting on you and the deal
Best for
DSCRActive investors stacking rentals
TraditionalOwner-occupants and one-off buyers

Ready to run a deal? Start a quote or chat with a human.

Investor reviewing rental property numbers
Why investors borrow with us

Super low rates,
so you can cash flow.

We underwrite the property, not your paystubs, and we price it tight so the spread actually works for you.

  • We speak investor

    Our loan officers actually understand rentals, not just W-2 borrowers buying their first house.

  • Straight math on every deal

    We'll tell you when the cash flow pencils, and when it doesn't. No selling you into a bad spread.

  • Closing speed that matches the market

    Deals move fast. So do we. Most DSCR loans close in 21–25 days from accepted offer.

From under contract to cash flow, fast.

No mystery, no runaround. Here's exactly how a DSCR deal unfolds with us.

  1. 01

    Quick deal review

    Tell us the property, the rent, the purchase price. We'll ballpark your DSCR and rate on the spot.

  2. 02

    Apply with light docs

    No tax returns, no W-2s. Soft credit pull. Most of the package comes from the property, not you.

  3. 03

    Close fast, repeat

    Appraisal and rent analysis come back, we close, you fund. Then we line up the next deal.

The stuff investors ask

Questions? We've got you.

DSCR stands for Debt Service Coverage Ratio, basically, does the property's rent cover its mortgage? If yes (DSCR ≥ 1.0), you qualify. We underwrite the asset, not your personal income.
Most programs like to see 1.25 or higher, but we can work with 1.0, and sometimes lower, depending on credit, leverage, and the property. We'll run your specific deal and tell you exactly where it lands.
Nope. DSCR loans are long-term mortgages, typically 30-year fixed or ARM, with rates and terms much closer to conventional than hard money. They're built to hold, not just bridge.
Yes, that's one of the best parts. Hold title in your LLC to keep liability clean and your personal finances separate from the portfolio.
No. DSCR loans are strictly for investment properties, single-family rentals, condos, townhomes, and 2–4 unit properties. No primary residences.
Most DSCR deals close in 21–25 days from accepted offer, assuming the appraisal and rent analysis come back cleanly. Tight, but very doable.

DSCR calculator

What's my Debt Service Coverage Ratio?

Loan amount$400,000
Monthly P&I (6.5%)$2,528
Monthly taxes$500
Monthly insurance$150
Total PITI$3,178

Your DSCR

1.18×

Qualifies

Estimate only. Uses a 6.5% rate over 30 years. We'll price your actual deal in minutes.

Got a deal? Let's run the numbers.

Three minutes, soft credit pull, a real human follow-up within the hour. No pressure, no jargon.

Get a DSCR quote