DSCR Rental Property Loans
DSCR (Debt Service Coverage Ratio) loans are designed for investors who want to scale a rental portfolio without traditional income docs. Qualify based on the property's rent, not your personal income.
30-year fixed · No tax returns required
Loan Amount
LTV
Rate
Term
Speed
What it is. How it works. Who it's for.
DSCR loans qualify based on whether the property's rent covers the loan payment (DSCR ≥ 1.0). No personal income verification, no tax returns. The most powerful tool for portfolio investors who want to scale without their personal balance sheet capping growth.
Best fit for
- Investors building or expanding a rental portfolio
- Self-employed buyers without traditional W-2 income
- BRRRR refinances after stabilization
- Short-term rental (Airbnb / VRBO) acquisitions
Four steps from inquiry to wire.
- 01
Pre-Qual
We model the rent vs payment to confirm DSCR before you offer.
- 02
Application
Lite application — no tax returns, no W-2.
- 03
Appraisal & Rent Schedule
Property is appraised with a market rent schedule (1007).
- 04
Close
21–30 days to close.
What we look for.
Most files that fit these markers move quickly. If yours doesn't yet, we'll show you how to get there.
Get Pre-Qualified- FICO 680+
- 20–25% down (LTV up to 80%)
- Property DSCR of 1.0+ (rent ≥ payment)
- Reserves equal to 6 months of payments
The ones we get most.
Often paired with DSCR Rental Loans
Fix & Flip Loans
- Experienced flippers scaling deal volume
- First-time investors with experienced contractors
Stabilized Bridge Loans
- 1031 exchange acquisitions
- Recapitalizing equity in stabilized property
Multifamily Loans
- Stabilized acquisitions and refis
- Value-add (bridge to stabilization)
Apply for DSCR Rental Loans
Free 15-minute audit. Soft credit pull only. Pay only after funded.
Start My ApplicationSoft credit pull · No score impact · 15-min commitment