DSCR Loans
Qualify on the rent, not your tax returns
Long-term rental financing underwritten on the property's debt service coverage ratio — ideal for investors scaling a portfolio.
Apply Now30 yr
Fixed and ARM terms available
Up to 80%
Loan-to-value on purchases
No W-2s
No personal income documentation
How it works
A DSCR loan measures the property's gross rental income against its monthly debt payment. If the rent covers the payment, the deal works — your personal DTI, tax returns, and employment history stay out of the file.
That makes DSCR the workhorse product for buy-and-hold investors, self-employed borrowers, and anyone who has hit conventional financing limits. Loans close in the name of your LLC, and there is no cap on the number of properties you can finance.
We shop your scenario across multiple non-QM lenders, compare rate-and-term structures against cash-out options, and manage the file through closing so you are not chasing conditions.
Who it's for
- Buy-and-hold investors adding long-term rentals
- Self-employed borrowers with write-offs that hurt DTI
- Investors past the conventional 10-property limit
- Refinancing a stabilized flip or BRRRR into permanent debt
- Short-term rental owners with documented income
Ready to fund your next deal?
Send us the basics and we'll come back with real options — usually within one business day.
Apply Now