DSCR Loans for Real Estate Investors

DSCR Loans for Real Estate Investors

Finance rental and investment properties with flexible, investor-friendly terms - no W-2s, tax returns, or paystubs required.

Check Your DSCR Loan Options

Program Highlights:

  • No W-2s, tax returns, or paystubs needed

  • Flexible credit for real estate investors

  • LLC financing available for investment properties

  • Up to 85% LTV (FICO 740 minimum for 85%)

  • Cash-out refinances to 80% LTV

  • No seasoning on select cash-out programs

  • Single-family, multi-family, townhomes, condos, 5 - 10 units, mixed-use properties

  • 30 & 40-year fixed with interest-only; 5/6 & 5/7 ARM options

  • 100% gift funds allowed; large deposit sourcing not required

  • Rural properties under 10 acres considered

  • Fast investor-friendly approvals

  • 100% of short-term rental income allowed

  • 5 - 8 unit loans to 75% LTV, 10 units to 70% LTV

Programs subject to credit, property, and market conditions. Terms may vary.

  • Program availability, rates, and terms are subject to change. Specific loan terms, including repayment period, APR, and payment schedule, will be provided in your Loan Estimate.

Who Can Benefit From DSCR Loans

  • Real estate investors scaling their rental portfolios

  • First-time investors with limited W-2 income

  • Flippers & renovators holding properties for rental income

  • Self-employed professionals with non-traditional income

Start Your DSCR Loan Pre-Qualification

Important Qualification Notes

How to Get Started:

  1. Get Pre-Qualified - Share property details and projected rental income.
  2. Property Cash Flow Analysis - We calculate your DSCR for the mortgage.
  3. Loan Options Delivered - Receive tailored financing for your investment.
  4. Close & Grow - Sign documents, fund your loan, and expand your portfolio.
Start Your DSCR Loan Pre-Qualification
Important Qualification Notes

Your Home Loan Could Be Fully Funded 30 Days From Now

  • Fixed-Rate Mortgage

    Fixed-Rate
    Mortgage

  • Adjustable Rates (ARM)

    Adjustable Rates
    (ARM)

  • Jumbo & Super Jumbo Loans

    Jumbo & Super
    Jumbo Loans

  • FHA, VA, & USDA Loans

    FHA, VA, &
    USDA Loans

  • Terms from 5 to 30 Years

    Terms from
    5 to 30 Years

Why Choose Us

Expert in DSCR & investment property loans


Quick approvals & flexible underwriting


Guidance for investors with complex income or LLC ownership


Real people, real answers - no call center

Explore Your Investment Loan Options