Loan Amount
$50K – $2.5M+
DSCR Terms
- Up to 80% LTV
- Close in 5–10 Business Days
- 30-Year Fixed Terms Available
HOW DSCR QUALIFICATION WORKS
660+ Credit Score
Minimum 660 FICO required. No W-2, no tax returns, no employment verification needed.
DSCR Ratio 1.0+
Property rental income must cover the mortgage payment. DSCR = Rent ÷ PITIA. Some programs accept 0.75+.
Investment Property
SFR, multifamily, or mixed-use. Entity or individual ownership. Property must generate rental income.
BUILT FOR INVESTORS
0
W-2s Required
30-Yr
Fixed Terms Available
5-Day
Fastest Closing
THE DSCR ADVANTAGE
DSCR lending flips the script on traditional underwriting. Your property's performance is the qualification — not your personal income.
No W-2 Needed
Skip income verification.
No tax returns required.
Property income qualifies.
Simple DSCR Math
Rent covers payment = approved.
Clean, transparent formula.
Calculate your ratio.
LTR & STR Programs
Long-term and Airbnb.
Both income types accepted.
All rental strategies.
Unlimited Properties
No 4-10 property caps.
Stack your entire portfolio.
Scale without limits.
WHO USES DSCR LOANS
DSCR lending was designed for investors who build wealth through property income — not a paycheck. If your properties cash flow, you qualify.
Fix & Flip Investors
You need bridge capital fast, then a DSCR refi once the property is stabilized and rented. Traditional lenders can't keep up with your acquisition pace.
BRRRR Strategists
DSCR is the refi engine of BRRRR. Once your rehab is done and the tenant is in, DSCR lets you pull equity out immediately — no 12-month seasoning wait.
Portfolio Builders
Each property qualifies independently on its own DSCR. No stacking against personal DTI. Add your 15th property the same way you added your 5th.
Airbnb & STR Operators
DSCR programs count your short-term rental income using 12-month averages or market rent analysis. The platform revenue that banks ignore is exactly what qualifies you here.
Self-Employed Investors
DSCR doesn't look at your tax returns. Your business write-offs, 1099 income, and K-1 complexity are irrelevant — only the property's rent-to-payment ratio matters.
Multi-Family Investors
Multi-unit properties often have the strongest DSCR ratios. More units means more income streams, making qualification straightforward even on larger deals.
First-Time Investors
DSCR removes the experience catch-22. If the property cash flows, you qualify — even on your first investment property. The numbers speak for themselves.
Out-of-State Investors
DSCR qualification is property-based, not borrower-location-based. Invest in any market from anywhere — your property's rent covers the qualification regardless of where you live.
WHY CONVENTIONAL LOANS DON'T WORK FOR INVESTORS
Conventional mortgage underwriting was designed for homeowners with W-2 jobs. It systematically excludes the people who build wealth through real estate.
Income That Doesn't Count
Rental income, Airbnb revenue, LLC distributions — conventional lenders discount or ignore all of it. They only accept W-2 employment income, which most serious investors don't have.
Tax Returns That Hurt You
Smart investors minimize taxes through depreciation and write-offs. But conventional lenders use your tax return as income proof — the lower your taxes, the less you "earn" in their eyes.
DTI That Punishes Growth
Every property you own adds to your debt-to-income ratio. Conventional lenders see 10 cash-flowing properties as a liability, not an asset. Your success becomes the reason for denial.
Seasoning That Kills Momentum
Conventional refinance requires 6-12 months of ownership before you can pull equity. For BRRRR investors, that means capital trapped in completed projects instead of funding the next deal.
DSCR LOAN PROGRAMS
One qualification method. Multiple strategies supported.
Long-Term Rental
30-year fixed terms for buy-and-hold investors. Qualify on annual lease income with standard DSCR calculation.
Short-Term Rental
Airbnb and VRBO income programs. Qualification uses 12-month average or market rent analysis for STR properties.
BRRRR Refinance
Cash-out refinance on stabilized properties. Pull equity from completed rehabs to fund the next acquisition cycle.
Multi-Family DSCR
2-4 unit and 5+ unit programs. Multiple income streams strengthen your DSCR ratio for easier qualification.
Portfolio Stacking
Bundle 2-10+ properties under one DSCR loan. Volume pricing and simplified underwriting for portfolio-scale investors.
Vacation Rental
Specialized programs for resort and vacation markets. Seasonal income smoothing and market-specific rent analysis built in.
Frequently Asked Questions
CHECK YOUR DSCR ELIGIBILITY
660+ credit score? Income-producing property? See if your property qualifies in minutes.
Terms and rates are subject to lender approval and may vary based on creditworthiness and property qualifications. Financing is provided through our lending partner network. All terms are fully disclosed in the lender's agreement.