No Tax Returns
Qualify based on property cash flow
Cash Flow Based
Property rental income is key
30-Year Terms
Fixed or ARM options available
Fast Closings
Close in as little as 2-3 weeks
All Property Types
SFR, 2-4 units, condos, STRs
How DSCR Loans Work
1
Step 1: Submit Property Info
Send us the property address and estimated rent for a quick review.
2
Step 2: Approve Based on DSCR
We qualify your loan based on the property's cash flow, not your W2.
3
Step 3: Fund & Grow Your Portfolio
Close quickly and add another cash-flowing asset to your portfolio.
DSCR Loan Program Details
Loan Amounts
$100K - $3M+
Maximum LTV
Up to 80%
Minimum DSCR
Down to 0.75
Minimum Credit
620+
Terms
30-year fixed, ARM, I/O
Eligible Properties
SFR, 2-4 units, STRs
Use of Funds
Purchase, Refinance
Ownership
LLC, Corp, or Individual
Who Qualifies for a DSCR Loan?
U.S. or foreign national investors
Property is rent-ready or currently leased
No employment or personal income verification needed
LLC, Corporation, or individual ownership
Flexible for new and experienced investors
Properties in primary or secondary markets
Recent Success Story
"I scaled up my rental portfolio with DSCR loans and finally left the 9-5. The process was much simpler than dealing with my bank."
– Chris T., Lakewood, CA
4-unit in Riverside – funded $750,000 in under three weeks with no tax returns required.
DSCR Loan FAQs
Tools & Resources
DSCR Loans Explained
Download our guide on what every real estate investor needs to know.
Download PDF GuideReady to Scale Your Portfolio?
Get pre-qualified for a DSCR loan and grow your rental business with a lender who understands real estate investing.