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For real estate investors · Nationwide

DSCR loans — qualify on the property, not your paycheck.

Finance rental and investment property based on the deal’s cash flow, not your tax returns. Available to investors nationwide, with a specialist who knows how to structure the deal.

Submit my deal Call 480-588-0397

Who it’s for

Real estate investors — anywhere in the U.S. — buying or refinancing 1–4 unit rentals (and some small multifamily) who’d rather qualify on the property’s rental income than personal income, W-2s, or DTI. A DSCR (Debt-Service-Coverage-Ratio) loan is a business-purpose loan for non-owner-occupied property.

Why investors choose our DSCR

  • No personal income docsWe qualify the deal on rent vs. payment (the DSCR) — no tax returns or DTI.
  • Close in your LLCTitle and borrow in an entity — the way serious investors hold property.
  • No cap on propertiesScale a portfolio without the conventional 10-property limit.
  • Purchase, refinance, or cash-outPull equity out of one property to fund the next.

General guidelines

Typical starting points — DSCR terms vary by property, leverage, and program. Your specialist confirms what fits the deal.

DSCR
1.0–1.25+
Rent covering the payment; some programs allow sub-1.0 with more down.
Down payment
20%–25%
Higher leverage may be available on strong deals.
Credit score
660+
Better pricing at higher scores; flexible programs exist.

Underwriting a deal yourself? Grab our free BRRRR & fix-and-flip deal analyzer — Maximum Allowable Offer, DSCR, cash-on-cash, and a 5×5 sensitivity grid in one spreadsheet. Get the free spreadsheet →

Common questions

What exactly is DSCR?
Debt-Service-Coverage-Ratio = the property’s rental income divided by its total mortgage payment (PITIA). A DSCR of 1.0 means the rent exactly covers the payment; above 1.0 means positive cash flow. We size the loan around that ratio instead of your personal income.
Do you check my personal income?
No. A DSCR loan qualifies on the property’s cash flow. We’ll still verify credit, assets for down payment/reserves, and the rental income (lease or market rent).
Can I borrow in an LLC?
Yes — DSCR loans are commonly closed in an LLC or other entity. We’ll walk you through the vesting and documents.
Which states do you lend in for DSCR?
DSCR is a business-purpose loan, and we offer it to investors nationwide. Your specialist will confirm details for the property’s location.
Ready when you are

Let’s structure your next deal.

Share the property and the numbers — a DSCR specialist will follow up with real terms.

Submit your deal

One screen, no wizard. If it fits, you will hear back the same business day. 9 required answers, the rest optional.

Private and hard-money lending is Arizona only. In a hurry? Call 480-588-0397.