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We determine the property's income potential by ordering a standard residential appraisal, with a Market Rental Analysis Report which provides real market rent data for similar homes in the surrounding marketplace.
📚 Meet Mark
Mark owns two rentals and just found a great duplex to buy.
His accountant advised him to minimize taxable income this year — making traditional mortgage qualification tricky.
With a DSCR loan, Mark qualified based on the property’s rental potential alone — no tax returns or W2s required.
Today, Mark is earning steady cash flow on his new investment property — proof that smart financing options make smart investing possible.
DSCR loans are perfect for people who don't fit the "perfect borrower" box.
You might benefit if you are:
✅ A real estate investor building your rental portfolio
✅ Self-employed with complicated income streams
✅ A first-time investor buying your first rental
✅ Growing your business without the hassle of full tax documentation
We look at the rental income the property generates (or can generate based on market rents).
We compare it to the new mortgage payment.
✅ If the numbers make sense, you can qualify — even if your personal income looks unusual on paper.
👍 No W2s.
👍 No tax returns.
👍 No personal income stress.
✅ Fast approvals (because less paperwork = faster underwriting)
✅ Flexible property types (single-family, multi-family, condos)
✅ Grow your portfolio faster without personal debt stacking up
✅ Use market rent estimates if the home isn’t rented yet
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No obligation, no pressure.
We’ll walk you through your options — in plain English.
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WHAT WOULD YOU LIKE TO DO?
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Here's how we help you invest smarter, faster.
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A DSCR loan is used by real estate investors. Instead of looking at your job income, lenders check if the money a property earns is enough to cover the loan payments. If the rent can pay the loan, you're more likely to qualify.
Yes. You may close in the name of your LLC, Corporation, LLP, LLLP, or other entity. This is a popular option for tax savings purposes, as well as limiting personal liability exposure.
You divide the property's monthly income by the monthly loan payments. For example, if a property makes $3,000/mo and the loan payments are $2,400/mo, the DSCR is 1.25.
We lend down to a 550 score on a DSCR loan. Learn more about DSCR loans for lower credit scores »
Yes. You can replace a DSCR loan with a new one, often to get a better rate or to pull out cash. Just check if your current loan has a penalty for paying it off early. More about DSCR refinancing »
Yes. These loans can be used to buy or refinance buildings like apartment complexes, offices, or stores. The property just needs to earn enough income to cover the loan. Learn more about using DSCR to finance Commercial Properties »
To qualify for a DSCR Loan, applicants must have the following:
📌 * If the property being financed does not have a sufficient DSCR ratio, try our NO RATIO DSCR PROGRAM »
VIEW DSCR FAQs
Your loan originator will review the specific business entity documentation needed at the time of application.
All Applicants /Guarantors Must Be Entity Members.
Single Guarantor Option: A business entity with multiple members can have a single guarantor, provided they are a managing member or a majority owner.
Multiple Entity Members Option: If your business entity has multiple members, and you are planning to use only one person to guarantee the loan, be sure to discuss this with your loan originator upfront.
Multiple Business Entities: We allow transactions to close in the name of up to two business entities, as long as there is one guarantor who owns 100% of both entities.
Our No RATIO PRO DSCR Program is especially helpful for seasoned investors looking to acquire properties quickly, and can help the investor acquire properties that may not cash-flow at the time of purchase.
Our No RATIO PRO DSCR Program allows the applicant to bypass the need for income or cash flow verification entirely. Since there is no DSCR calculation, there is no risk to the applicant that the market rent from the appraisal report will fail to support the new payment. It short, it removes the biggest risk in any DSCR loan.
Our No RATIO PRO DSCR Program can be helpful in the following scenarios:
👉 KEY PROGRAM HIGHLIGHTS FOR OUR No RATIO PRO DSCR PROGRAM:
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This is not a commitment to lend. Not all borrowers will qualify for the loan programs listed. All program terms and conditions are subject to change and may be discontinued without prior notice. Contact loan originator for program questions and scenarios.