DSCR Investor Loans

No Tax Returns.
No W-2s.
Just Cash Flow.

DSCR loans qualify on your property's rental income — not your personal income. Close in as little as 14 days. Scale your portfolio without the red tape.

↗ Rental Portfolios ↗ Short-Term / Airbnb ↗ Self-Employed ↗ LLC Ownership OK ↗ No Income Verification
Analyze My Opportunity Today →
14day
Close Timeline
$0
Tax Returns Needed
1–50+
Units in Portfolio
DSCR Fast Pre-Qualification
Check Your DSCR Eligibility
No hard pull. No commitment. Answer in 1 business hour.
✅

You're In The Queue

Our deal desk reviews DSCR scenarios within 1 business hour.
Expect a call or text shortly.

No tax returns. No W-2s. No hard credit pull at this stage.

🚫
No Tax ReturnsQualify on rental income only
⚡
14-Day CloseFrom approval to funding
🏢
LLC FriendlyHold title in your entity
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Portfolio ScalingFinance multiple properties
📍
NationwideMost U.S. states available
Process
Close Your Deal in 4 Steps
01 /
📋
Submit Your Scenario
No tax returns. Tell us about the property and your rental income — that's what we underwrite.
02 /
⚙️
DSCR Analysis
We run your debt service coverage ratio and identify the best rate and term for your deal.
03 /
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Approval & Term Sheet
Receive a clear loan term sheet — rate, LTV, prepay, and timeline. No surprises.
04 /
🔑
Fund & Close
Close in as little as 14 days. Add to your portfolio and move on to the next deal.
Eligibility
Who This Is Built For
  • ✓Landlords with existing rental portfolios
  • ✓Airbnb and short-term rental investors
  • ✓Self-employed borrowers with high write-offs
  • ✓BRRRR strategy investors ✓ Investors seeking second-lien DSCR to access equity without disturbing a first mortgage
  • ✓Out-of-state investors acquiring remotely
  • ✓LLC & entity borrowers
  • ✓First-time investors with strong rental income

Not required at application:

  • ✕Personal tax returns
  • ✕W-2 or pay stubs
  • ✕Employment verification
  • ✕Debt-to-income ratio analysis
Program Details
Loan Parameters
Loan Sizes
$100K
Minimum loan amount
$5M+
No hard ceiling on qualified portfolios
85%
Max LTV on purchase (select programs)
Terms
30-yr
Fixed rate available
5/1, 7/1
ARM programs available
Interest-Only
I/O options on select programs
Qualification
0.75x*
Minimum DSCR (rent ÷ PITIA) — No-Ratio / below-1.00 DSCR available on select programs
620+
Credit score (660+ preferred)
AirDNA
STR income projection accepted

Ready to Scale Your Portfolio?

Submit your scenario today. Our deal desk reviews DSCR applications within 1 business hour — no commitment, no hard pull.

⚡ Analyze My Opportunity Now 📞 Call 480.450.6771