DSCR Loans for Investors
"The investor's best friend."
No tax returns. No pay stubs. Just let the property's rental income qualify your loan. Perfect for scaling your portfolio without documentation headaches.
20-25%
Min Down
620+
Min Credit
$3M
Max Loan
Is This Loan Right for You?
This Loan is Perfect If You...
- Real estate investor building portfolio
- Self-employed and prefer no income docs
- Want to scale without property limits
- Property cash flows at 1.0+ DSCR
- Want LLC asset protection
This Might NOT Be Right If...
- Buying primary residence
- Property doesn't cash flow (DSCR below 1.0)
- Less than 20% down payment available
DSCR Loans for Investors Benefits
Everything you need to know about your benefits
No Tax Returns
Skip the income documentation entirely. No W-2s, no pay stubs, no tax returns required.
Property Income Qualifies
If the rent covers the payment (1.0+ DSCR), you qualify. Simple math, simple process.
Unlimited Properties
No cap on financed properties. Scale your portfolio as big as you want to grow it.
Close in LLC
Asset protection from day one. Title in your entity, not your personal name.
Scale Faster
Add properties without income ratio constraints slowing you down.
How It Works
Your path to homeownership in just a few simple steps
Calculate Your DSCR
Determine if your property's rent covers the payment at 1.0+ ratio.
Get Pre-Approved
Quick approval without income documentation or tax returns.
Close & Cash Flow
Close in your LLC and start collecting rent.
Calculate Your DSCR
Determine if your property's rent covers the payment at 1.0+ ratio.
Get Pre-Approved
Quick approval without income documentation or tax returns.
Close & Cash Flow
Close in your LLC and start collecting rent.
Loan Details
Documentation Required
- No income documentation required
- Property appraisal with rental analysis
- Lease agreements (if occupied)
- Entity documents (if LLC)
- 6 months reserves
Eligible Property Types
- Single-family rentals
- 2-4 unit properties
- Short-term rentals (Airbnb)
- Condos and townhomes
Additional Info
- DSCR = Rent ÷ PITIA
- Minimum 1.0 DSCR required
- Higher DSCR = better rates
- See full DSCR guide for calculator
Why Investors Choose DSCR
| DSCR(This loan) | Conventional | |
|---|---|---|
| Income Documentation | None required | Full tax returns, pay stubs |
| Property Limit | Unlimited | Max 10 |
| LLC Ownership | Yes, at closing | Personal only (transfer later) |
| Qualification | Property cash flow | Personal DTI ratio |
| Speed to Close | 21-30 days | 30-45 days |
* Rates and terms subject to change. Contact us for current offers.
Frequently Asked Questions
Common questions about DSCR Loans for Investors
Last updated:
What DSCR ratio do I need?
Most lenders require a minimum 1.0 DSCR, meaning rent must cover the full mortgage payment (PITIA). Higher DSCR ratios like 1.25+ typically qualify for better interest rates and more favorable terms.
Can I close in my LLC?
Yes! DSCR loans allow LLC ownership at closing, unlike conventional loans that require personal title first. This gives you asset protection and liability separation from day one.
How many properties can I finance with DSCR?
Unlimited. Unlike conventional investment loans (capped at 10 financed properties), DSCR loans have no property limit. Finance as many as the properties rental income supports.
- No personal income documentation is required. DSCR loans qualify based solely on the property rental income covering the mortgage payment. No tax returns, W-2s, or pay stubs needed.
- Yes! Many DSCR programs accept short-term rental income. Lenders may use projections from AirDNA or actual STR income history to calculate qualifying rental income.
- Most DSCR lenders require a minimum 620-660 credit score. Higher scores (700+) qualify for better rates. Unlike conventional loans, credit requirements are generally more flexible.
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We'll notify you instantly when rates drop to your target.
Ready to Scale Your Portfolio?
Let's run the numbers on your next investment property
Or call us directly: (757) 558-2603