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DSCR loans qualify based on the property's cash flow — not your personal income. No tax returns. No W-2s. No income limits. Just does the deal cash flow?
Get Your DSCR Loan Rate
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Long-term rental financing that scales with your portfolio.
DSCR stands for Debt Service Coverage Ratio. It measures whether a property's rental income covers its debt payments. Instead of qualifying you on your personal income, we look at whether the property pays for itself.
DSCR = Monthly Rent ÷ Monthly PITIA Payment
A DSCR of 1.0 means the rent exactly covers the payment. We typically look for ≥1.0, though we evaluate each deal on its merits.
| Feature | Details |
|---|---|
| Loan Amount | $75,000 – $2,000,000 |
| Loan Terms | 30-year fixed, 5/1 ARM, 7/1 ARM |
| Interest Rate | From 5.50% |
| Max LTV (Purchase) | Up to 80% |
| Max LTV (Refi) | Up to 75% |
| Cash-Out Refi | Available up to 70% LTV |
| DSCR Minimum | ≥1.0 (case-by-case below) |
| Income Docs | Not required — property income only |
| Tax Returns | Not required |
| Entity Types | LLC, Corp, Individual |
| Interest-Only | Available (ask for details) |
Who This Is For
DSCR loans are ideal for buy-and-hold investors looking to grow a rental portfolio without the complexity of traditional income documentation. Perfect for investors with multiple properties, self-employed income, or complex tax situations.
Eligible Property Types
We understand how investors think because we think like investors.
Cash Flow Qualifies You
We don't care if you have 10 properties and complex taxes. If the rental income covers the payment, you're in. That's how portfolio lending should work.
Scales With Your Portfolio
No arbitrary cap on the number of properties you can finance. DSCR loans are designed to grow with you, deal after deal.
Cash-Out Available
Pull equity from existing rentals to fund your next acquisition. Cash-out refinances available up to 70% LTV on stabilized properties.
LLC Friendly
Hold your rentals in an LLC or other business entity — the right move for asset protection. We lend directly to your entity.
Long-Term Stability
Lock in a 30-year fixed rate for predictable cash flow. Or choose an ARM for a lower initial rate if your strategy is shorter term.
Nationwide Lending
We lend across most of the country. Whether your rentals are in Georgia, Texas, Missouri, Pennsylvania — we've got you covered.
No income docs, no tax return drama. Just the deal.
Share the Property
Tell us about the property — address, rental income, purchase price or current value, and your goal (purchase, refi, or cash-out).
We Run the DSCR
We calculate the debt service coverage ratio and come back with a term sheet within 24 hours. No personal income analysis needed.
Appraisal & Processing
We order the appraisal and process in-house with our own underwriting team. No delays from third-party bottlenecks.
Close & Add to Portfolio
Sign at closing and add another performing rental to your portfolio. Repeat as your portfolio grows.
No tax returns. No income limits. Just cash flow. Get your DSCR terms in 24 hours.