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DSCR Loans

DSCR Loans

If you’re a real estate investor looking for a no income verification loan, our DSCR Loans could be the perfect solution. These loans are based solely on a property’s cash flow—not your personal income, tax returns, or employment status. Whether you’re a first-time investor or building a portfolio of short- or long-term rentals, this program offers unmatched flexibility.

To learn how we support real estate investors across the U.S, visit our About Us page.

Min FICO: 620 Max LTV: 85%

Why Choose a DSCR Loan?

  • No tax returns, W-2s, or employment verification

  • Use short-term (Airbnb/VRBO) or long-term leases for qualification

  • DSCR ratios as low as 0.75 accepted

  • Use the highest mid-FICO score among all borrowers

  • Interest-only payments available

  • Up to 80% LTV for first-time investors

  • First-time homebuyers also allowed

If you’re ready to get started, contact us today and let’s talk through your investment goals.

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Program Highlights

  • Loan amounts up to $3.5 million
  • Qualification based on property income, not borrower income
  • Available for: purchase, cash-out refinance, or rate-term refinance
  • Short-term rentals allowed (AirDNA or Airbnb income accepted)
  • No personal income or employment info required
  • First-time investors eligible (with additional conditions)
  • Properties can be vested in LLCs, S corps, C corps, or trusts
  • Loan eligibility for U.S. Citizens, Permanent/Non-Permanent Residents, and Foreign Nationals
  • Interest-only options, gift funds allowed, up to 6% seller concessions
  • Eligible property types: warrantable & non-warrantable condos, co-ops, condo hotels
  • Vacant properties are eligible

Frequently Asked Questions (FAQs)

1. What is a DSCR loan and how does it work?

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income your property generates. Lenders divide the gross rental income by the monthly mortgage expenses (PITIA) to calculate the DSCR ratio. If the result is ≥1.00, the property earns enough to cover its debt—qualifying you for the loan.

2. What is the minimum DSCR to qualify?

Most lenders prefer a DSCR of 1.00 or higher, but some programs allow ratios as low as 0.75 with compensating factors like strong credit or larger down payments.

3. What documentation is required?

You don’t need to submit personal income documents. Instead, you’ll provide a lease agreement, market rent analysis(Form 1007), rent roll, or AirDNA report for short-term rentals.

4. Are DSCR loans allowed for Airbnb or VRBO rentals?

Yes! Our programs support short-term rental financing, using either historical rental income or projected market rents. Airbnb or VRBO statements and platforms like AirDNA are often acceptable.

5. What types of properties qualify?

DSCR loans cover a wide range of investment properties, including:

  • Single-family rentals

  • 2–4 unit buildings

  • Condos and townhomes

  • Non-warrantable condos and co-ops

  • Mixed-use and condo hotels (depending on guidelines)

Let’s Build Your Portfolio

Whether you’re buying your first rental or expanding your investment portfolio, DSCR loans make financing faster, easier, and income-free. No tax returns. No employment verification. Just property performance.

Reach out now to get a custom quote and start your real estate journey with the right financing.