DSCR Loans Made Simple
No income verification. Fast approvals. Investor-focused funding
What is a DSCR Loan?
Lenders calculate your DSCR by dividing the property’s monthly rental income by the monthly loan payment (principal + interest, taxes, insurance, etc.).
If the rental income covers or exceeds the loan payment, you can qualify — it’s that simple.
Why Choose a DSCR Loan
No tax Returns, W2’s, or employment checks
No need to prove your personal income — we skip the paperwork and base approval on the property, not your job.
Fund Based On Rental Income
We qualify you using the property’s income potential, making it easier to get approved based on cash flow.
Ideal for Investors and LLC’s
Whether you own personally or through an LLC, DSCR loans are designed for real estate investors building portfolios.
Fast Closings
Skip the delays of traditional loans — get pre-approved and funded quickly to secure your next investment deal fast.
How It Works
Apply Online
Fill Out A Simple Form. No Credit Pull
Get Pre Approved
We’ll send your custom DSCR Quote in 24-48 Hours
Close and Fund
Close on your property and get funded fast.
Things To Consider Before Getting a DSCR Loan
Minimum DSCR Requirements Vary
Most lenders require a DSCR of 1.0 or higher — meaning your property’s rental income must at least match the loan payment. Some lenders require higher for better rates.
Down Payment Expectations
DSCR loans typically require 20–25% down, depending on your credit score, experience, and the type of property.
Interest Rates Can Be Slightly Higher
Because these are asset-based loans with flexible underwriting, interest rates may be higher than traditional loans — but you’re trading convenience for slightly higher cost.
Documentation Still Matters
You won’t need W-2s or tax returns, but you’ll still need to provide a lease agreement, property financials, and your LLC docs if buying through a business entity.
Meet Your Loan Officer
Ready To Fund Your Next Investment ?
Start your application and get funded in days, not weeks.