DSCR Investor Loans

Cash-Flow-Based Financing for Real Estate Investors

Looking to grow your rental portfolio without jumping through the hoops of traditional income verification? DSCR (Debt Service Coverage Ratio) loans are designed with real estate investors in mind—offering a streamlined way to finance investment properties based on rental income, not personal income.

Whether you're expanding your single-family rental portfolio or acquiring multi-family assets, DSCR loans offer flexible, scalable financing with a focus on property performance.

What is a DSCR Loan?

A DSCR loan measures the property's ability to cover its own debt payments using rental income. Instead of evaluating your personal income or tax returns, lenders assess whether the monthly rental income covers the mortgage payments—making it an ideal solution for both new and experienced investors.

Key Benefits

✅ No Tax Returns or W-2s Needed – Focus on your investments, not your employment history

✅ Close in Your LLC or Business Name – Build your portfolio the right way

✅ Flexible Loan Terms – 30-year fixed, interest-only, and ARM options available

✅ Competitive Rates – Based on property cash flow, not personal debt-to-income ratios

✅ Scale Faster – Easier qualification means more deals, less red tape

Loan Highlights

• Loan amounts from $100K to $5M+

• Up to 80% LTV for purchases and refinances

• Ideal DSCR: 1.0 or higher (property generates enough to cover monthly debt)

• Works for short-term and long-term rentals (Airbnb, VRBO, traditional leases)

• Available for single-family, 2-4 units, condos, and multi-family properties

Who It's For

• New and experienced real estate investors

• Self-employed or non-traditional earners

• Investors using LLCs, corporations, or trusts

• Those looking to buy, refinance, or cash out investment properties

• Invest Based on Cash Flow, Not Paperwork

DSCR loans give you the freedom to grow your portfolio without the friction of traditional lending. If your property cash flows, you’re in a strong position to qualify. We make it easy to get funded—fast.

Get pre-qualified today and take the next step in building your investment empire.