Debt Service Coverage Ratio (DSCR) loans are the go-to long-term financing tool for rental property investors. No W-2s, no tax returns, no income verification — the property's rent covers the math.
If your personal income doesn't reflect your investing ability, DSCR loans are the solution. Scale without being penalized by DTI limits or tax return write-offs.
No W-2s, tax returns, pay stubs, or bank statements needed. The property's rental income does the qualifying.
Traditional DTI limits stop most investors from scaling past 10 loans. DSCR loans have no such restriction.
DSCR loans work for short-term rentals (Airbnb), mid-term rentals, and traditional long-term tenants.
Lock in long-term financing with predictable payments — perfect for buy-and-hold rental strategies.
SFR, 2–4 units, condos, townhomes, and short-term rental properties all qualify under our DSCR program.
We are nationwide lenders and service all 50 states. If the deal makes sense, we can help.
DSCR stands for Debt Service Coverage Ratio. It measures whether the property's rental income covers the mortgage payment. A DSCR of 1.25 means the property earns 25% more than the loan payment — making it a strong qualifying property.
Share the address, purchase price or current value, and the current or projected monthly rent.
We run the DSCR calculation and return a term sheet within 24 hours showing your rate, LTV, and payment.
We order an appraisal and verify the property income. No income docs from you — just the property details.
Close your DSCR loan and lock in long-term, income-producing financing. Repeat with every property you add.
No income docs. No DTI limits. Get a DSCR term sheet in 24 hours and keep scaling.
Fill out the form below and a funding specialist will reach out to walk you through your options — no commitment required.