Qualify on rental income. No tax returns, no W-2s, no limit on properties. 30-year fixed terms for investors who scale their portfolio without the income verification hassle.
See If I Qualify →
DSCR stands for Debt Service Coverage Ratio. It measures whether the property's rental income covers the mortgage payment. If the rent covers the debt, you qualify — regardless of your personal income, employment status, or how many properties you already own.
DSCR loans are 30-year investment mortgages built for real estate investors who can't — or don't want to — document personal income the conventional way. No tax returns, no W-2s, no DTI calculations.
DSCR Formula: Monthly Rent ÷ Monthly Mortgage Payment = DSCR. A DSCR of 1.0+ means the property pays for itself.
Self-employed borrowers, business owners, and investors with complex tax returns often show low taxable income despite strong cash flow. DSCR loans don't care — qualification is based on the property, not you.
Conventional mortgages cap at 10 financed properties. DSCR loans have no such limit. If you've hit the conventional ceiling, DSCR is the next chapter of your portfolio growth.
Cash-out refinances up to 75–80% LTV — no income verification, no DTI limits. Pull equity from existing rentals and redeploy it into your next acquisition.
No income docs. No employment verification. Close in 2–4 weeks.
Submit a quick application with property details and rental income. No personal income docs required — just the property address, value, and current or projected rent.
We shop your deal across our lender network and deliver a term sheet showing your rate, LTV, closing costs, and DSCR calculation. Full transparency before you commit.
An appraisal confirms the property value and market rent. We coordinate the closing and fund within 2–4 weeks of the completed appraisal.
No tax returns, no W-2s, no DTI calculation. The property's rental income is the only income that matters for qualification.
Conventional mortgages cap at 10 financed properties. DSCR loans have no limit — scale your portfolio without hitting an artificial ceiling.
Pull equity from existing rentals at up to 75–80% LTV without income verification. Redeploy that capital into your next deal.
Long-term, stable financing for buy-and-hold investors. Fixed rate for the full 30-year term — no balloon payments, no rate resets.
No income docs. No property limits. Tell us about the property and we'll show you what you qualify for.