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DSCR 1.0 or higher and you're in. No W-2s. No pay stubs. No tax returns. We underwrite the property, not your personal life.
One ratio. That's the whole underwriting.
Above 1.0 = Cash-flow positive. You qualify.
No W-2s. No tax returns. The property speaks for itself.
Traditional lenders want 2 years of tax returns per property, enforce DTI limits, and stop lending after 10 doors. DSCR was built to eliminate every one of those bottlenecks.
Banks want 2 years of tax returns for every property. We want zero. No W-2s, no pay stubs, no CPA letters. Your income is your business — literally.
DSCR 1.0+ means rent covers PITIA. That single ratio is the entire underwriting. Your DTI, your day job, your side hustles — irrelevant.
Conventional lenders cut you off at 10 financed properties. We don't. Whether it's property #2 or #200, same process, same speed.
Keep your personal name off the deed. Close in your LLC, S-Corp, or trust. Asset protection built in from day one — no post-close transfer headaches.
Long-term buy-and-hold, short-term Airbnb, BRRRR, house hack — 1-4 units across every strategy. One loan program covers the entire playbook.
Properties don't wait for bank approvals. We close in 21 days on average so you can lock down deals before the competition even gets a pre-qual letter.
Plug in the rent and expenses. If your DSCR hits 1.0+, the property qualifies itself—no income docs, no tax returns. That's the entire underwriting decision.
Rent covers the mortgage. You meet standard DSCR requirements with solid terms available.
Formula Breakdown
DSCR Qualification Scale
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Finance This PropertyHow it works: DSCR = Monthly Rent ÷ PITIA (Principal, Interest, Taxes, Insurance, HOA). Lenders typically use market rent from the appraisal, not your current lease—so even vacant properties can qualify. Some programs accept DSCR as low as 0.75 with 30-35% down. Above 1.25 unlocks the best rates.
SFRs, multi-family, fix-and-flip, commercial—stop shopping lenders for every deal. We finance the full spectrum of investment real estate under one roof.
Optimize for the lowest rate—or optimize for unlimited scale with zero income docs. Your portfolio strategy decides.
Scale Without Limits
The property qualifies itself. Your W-2, your tax returns, your personal DTI — none of it matters. Just the rent-to-payment ratio.
The Good Stuff
The Trade-Offs
Best For
Portfolio investors scaling past 10 doors, self-employed borrowers, and anyone whose tax returns don't reflect real cash flow
Lowest Rate, More Paperwork
The best rates on the market — if you can document personal income and haven't hit the 10-property ceiling yet.
The Good Stuff
The Trade-Offs
Best For
W-2 earners with clean, straightforward tax returns building toward their first 10 investment properties
Our team owns rental properties. We built this lending program to solve the exact problems we hit ourselves — property count caps, tax return headaches, and 45-day closing timelines.
Cap rates, cash-on-cash returns, BRRRR exit strategies, 1031 timelines — our team owns rentals. You'll never have to explain what a DSCR ratio is to us.
Pre-approval in 24 hours. Close in 21 days. Rates are moving and off-market deals don't wait for a 45-day bank approval cycle.
Send us the address. We'll run the DSCR, estimate your rate and payment, and tell you if the numbers work — before you write the offer.
Pre-approval in 24 hours. Close in 21 days. No tax returns, no W-2s, no DTI calculations. Whether it's property #2 or #20, same process, same speed.
The real answers portfolio investors need—no fluff, no bank-speak.
DSCR stands for Debt Service Coverage Ratio. It's a single calculation: Monthly Rent ÷ PITIA (Principal, Interest, Taxes, Insurance, HOA). A DSCR of 1.0 means rent exactly covers the full housing payment. Hit 1.25+ and you unlock the best rates. The key difference from conventional loans? We underwrite the property's cash flow—not your personal income. No W-2s, no tax returns, no pay stubs.
With DSCR—correct. Zero personal income documentation. No tax returns, no W-2s, no pay stubs, no CPA letters, no profit-and-loss statements. The property qualifies itself based on rental income vs. expenses. This is why DSCR is the go-to for self-employed investors, business owners, and anyone whose tax returns don't reflect their true earning power.
There is no cap. Property #5 or property #50—same process, same speed. Conventional lenders hard-stop at 10 financed properties. That's the wall most portfolio investors hit. DSCR eliminates it entirely. Each deal is underwritten independently on its own cash flow, so your existing portfolio size is irrelevant.
Yes—and most of our investors do (85%+). Close directly in your LLC, S-Corp, corporation, or trust name. Your personal name stays off the deed. No post-close quit-claim transfers, no due-on-sale risk. Asset protection is built into the loan structure from day one.
Ready to run the numbers on your next deal?
Get Your DSCR Loan Quote