DSCR Loans

Debt Service Coverage Ratio loans for real estate investors. Qualify based on rental income, not personal income. No tax returns required.

Investment property

Why Choose a DSCR Loan?

Designed specifically for real estate investors who want to qualify based on property income.

No Tax Returns Required

Qualify based on rental income alone - no need for personal income documentation.

Income-Based Qualification

Qualification may be based primarily on the property's rental income and debt-service coverage.

Unlimited Properties

No limit on the number of investment properties you can finance.

LLC/Corp Vesting

Purchase in the name of an LLC or corporation where the program permits. Consult your own attorney or tax advisor about entity ownership.

Fast Closings

Streamlined documentation means faster closings - often in 21 days or less.

Multiple Property Types

Single-family, condos, townhomes, and 2-4 unit properties eligible.

DSCR Loan Requirements

Simple qualification focused on property cash flow:

DSCR Ratio 1.0+ (rent covers payment)
Credit Score 660+ (680+ for best rates)
Down Payment 20-25%
Property Type Investment only

Building Your Portfolio?

Our investor specialists understand DSCR loans inside and out. Let's grow your real estate empire together.

Get Pre-Qualified

No tax returns. No employment verification.

Ready to Invest?

Our DSCR loan specialists are ready to help you expand your real estate portfolio.