Rental income qualifies
Underwriting focuses on the property's debt-service coverage and rent potential.
DSCR LOANS FOR REAL ESTATE INVESTORS
Get Your Free DSCR Loan Quote
Qualify using the rental property's cash flow—not personal income or employment documents.
✓ Purchase & refinance✓ Up to 85% purchase LTV✓ Loans from $75K to $3MM
FREE SCENARIO REVIEW
See Your DSCR Loan Options
Complete the form below with your property and loan details.
KEY BENEFITS
A simpler path to financing your rental property.
Designed for real estate investors who want the property—not their personal income—to drive qualification.
Flexible property options
Programs available for single-family rentals and eligible 2–10 unit properties.
Cash-out opportunities
Access eligible rental-property equity for reserves or your next investment.
Investor-friendly vesting
Close in an individual name or an eligible business entity.
FREQUENTLY ASKED QUESTIONS
What investors want to know.
What is a DSCR loan?+
A DSCR loan is a business-purpose mortgage that primarily qualifies an investor using the rental property's income relative to its housing expense rather than personal employment income.
Do I need tax returns or pay stubs?+
DSCR programs generally do not require personal tax returns, W-2s, or employment verification. Property and borrower documentation is still required for underwriting.
Can I purchase, refinance, or take cash out?+
Yes. Eligible programs include purchases, rate-and-term refinances, and cash-out refinances.
What properties may qualify?+
Eligible property types include single-family rentals and select 2–10 unit residential investment properties, subject to program requirements.
Can a first-time investor qualify?+
Yes. First-time investors may be eligible with a 700 FICO score and a minimum 1.00x DSCR, subject to full underwriting.
How much can I borrow?+
Available loan amounts range from $75,000 to $3,000,000 for eligible scenarios.