(469) 956-9477Same-Day Response • No Tax Returns Required • Deals Others Can't Close
(469) 956-9477Same-Day Response • No Tax Returns Required • Deals Others Can't Close
(469) 956-9477Same-Day Response • No Tax Returns Required • Deals Others Can't Close
(469) 956-9477Same-Day Response • No Tax Returns Required • Deals Others Can't Close
Home›Loan Types›DSCR Rental Loans
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📊Investment Property Loan

DSCR Rental Loans

Qualify based on the property's rental income — not your tax returns. Built for long-term rental investors scaling a portfolio.

Program Highlights

WHAT'S INCLUDED IN THIS PROGRAM

  • ✓Qualify on rent income only — no W-2s, no tax returns
  • ✓30-year fixed and ARM options
  • ✓Up to 80% LTV on purchase and refi
  • ✓1–4 unit residential & small multifamily
  • ✓Cash-out refinance available
  • ✓Vesting in LLC or individual
  • ✓No personal income limits — scale freely
  • ✓Minimum DSCR 1.0–1.25x depending on program
How It Works

FROM APPLICATION TO CLOSE

1

Submit Property & Rent

Property address, purchase price, monthly rent. We compute DSCR on the spot.

2

Advisor Structures the Loan

Choose 30-yr fixed, 5/1, 7/1, or 10/1 ARM. Cash-out OK.

3

Appraisal + Rent Schedule

Form 1007 rent comparable schedule confirms market rent.

4

Close in 21–30 Days

Typical DSCR closings run 3–4 weeks end to end.

Questions

FREQUENTLY ASKED

Debt Service Coverage Ratio — monthly rent divided by monthly principal, interest, taxes, and insurance. Most programs require 1.0x–1.25x.

No W-2s, no tax returns, no DTI calculation. Qualification is based on the property's rent income.

Yes — LLC vesting is standard for DSCR loans and helps with liability and portfolio scaling.

Yes. You can cash out up to 75% LTV on stabilized rental properties.

Not Sure?

Call us — we'll talk through your deal in 10 minutes and tell you if it fits this program. (469) 956-9477