DSCR Loans

Real Estate Financing Based on
the Property. Not You.

Fast closings. Flexible terms. Investor friendly.

No personal income verification
No tax returns
No bank statements
Asset based
Purchase
Refinance
Cash-Out

DSCR loans qualify based on the property’s cash flow and its ability to support the debt—making it ideal for real estate investors and business owners with multiple properties.

Discuss Your DSCR Loan

888-316-1787

Cash Flow Focused

Qualification based on the property’s DSCR, not your personal income.

Fast & Flexible

Quick approvals and closings with flexible terms and structures.

Investor Friendly

Perfect for real estate investors, self-employed borrowers and portfolio holders.

No Personal Docs

No tax returns, W-2s, or personal bank statements required.

Cash Flow Based

Loan is approved based on the property's Debt Service Coverage Ratio (DSCR).

No Personal Income Check

No tax returns, W-2s, paystubs or personal bank statements.

Fast Decisions

Streamlined underwriting leads to quicker approvals and closings.

Flexible Terms & Structures

Interest-only options, prepayment flexibility and more.

Scale Your Portfolio

Ideal for investors with multiple properties and growing portfolios.

Leverage Opportunity

Access more capital to acquire, refinance or cash out.

Property Types We Finance with DSCR Loans

Multifamily

Single Family Rentals

Mixed-Use

Office

Retail

Industrial

Self-Storage

Mobile Home Parks

Short-Term Rentals

Other Investment Properties

How DSCR Loans Work

We review the property's income and expenses.
We calculate the DSCR (Net Operating Income divided by the proposed debt payment).
If the property meets the lender's DSCR requirements, the loan may be approved.
No personal income or employment verification is required.

Typical DSCR Requirements

Requirements vary by lender and property type.

Minimum DSCR	1.20x – 1.35x
Loan-to-Value (LTV)	Up to 75%
Interest Rates	Starting in the 6% – 8% range*
Loan Terms	5 – 30 Years
Amortization	Up to 30 Years
Interest Only	6 – 10 Years (varies by lender)
Closing Time	As fast as 7 – 15 Days

*Rates are subject to change based on market conditions, property type, LTV, DSCR and other factors.

Ideal For

Real estate investors
Self-employed borrowers
Business owners
Portfolio landlords
Out-of-state investors
Short-term rental investors
Borrowers with credit or income challenges

DSCR Loans vs. Traditional Loans

Feature	DSCR Loans	Traditional Loans
Qualification	Based on property cash flow (DSCR)	Based on personal income & credit
Income Verification	Not required	Required
Tax Returns	Not required	Required
Bank Statements	Not required	Required
Employment Verification	Not required	Required
Closings	Fast (7 – 15 days)	Slower (30 – 60+ days)
Best For	Investors & rental property owners	Owner-occupied & owner-ops

Have a Property?
Let's Talk.

Tell us about your property and financing needs. We’ll connect you with the right DSCR loan solution.

Call Us Today