DSCR loans — qualify on rent, not your tax returns.
DSCR (Debt Service Coverage Ratio) loans let real estate investors qualify based on a property's rental income instead of personal income. Perfect for self-employed investors, foreign nationals, and anyone scaling a portfolio.
Program snapshot
- Loan size
- $100K – $3M
- Max LTV
- 80%
- Min DSCR
- 0.75
- Term
- 30-yr fixed / ARM / I-O
- Rates from
- 6.99%
Built for serious investors and operators
- No W-2s, pay stubs, or tax returns — qualify on rent rolls or projected market rent
- Close in your name or in an LLC for asset protection
- Eligible: SFR, 2–4 unit, condo, condotel, townhome, and short-term rentals (Airbnb/VRBO)
- Cash-out refinance up to 75% LTV with no seasoning requirement on appraised value
- Interest-only options to maximize cash-on-cash returns
- No limit on the number of financed properties
A fit if you're…
- Buying or refinancing a long-term or short-term rental
- Self-employed with hard-to-document income
- A foreign-national investor without a U.S. SSN
- Scaling beyond what conventional lenders will allow (10+ properties)
- Doing a 1031 exchange or BRRRR strategy
From inquiry to funded in days, not months
Scenario
Share the property, target loan amount, and your investor experience.
Term sheet
Rate, LTV, and DSCR confirmed in 24 hours — no hard credit pull.
Close
Appraisal, title, and closing in roughly 21 days.
Common questions
What DSCR do I need?
We fund as low as a 0.75 DSCR with rate adjustments; 1.0+ gets best pricing. No-ratio DSCR also available.
Can I close in an LLC?
Yes — most of our DSCR loans close in a single-member or multi-member LLC for liability protection.
Are short-term rentals eligible?
Yes. We'll use AirDNA or 12-month operating history to qualify Airbnb/VRBO income.
Is there a minimum credit score?
660+ for best pricing; we'll review files down to 620 with compensating factors.
Explore more capital options
Ready to run the numbers?
Get pre-qualified in under 24 hours with no impact to your credit.