DSCR Loans Built for Real Estate Investors

Flexible, fast, and designed around cash flowing properties — qualify using rental income, not personal income.

Why DSCR Loans?

Invest with confidence. DSCR loans allow you to qualify based on the property’s ability to generate income — not your tax returns, W‑2s, or personal DTI.

Perfect for:

Long‑term Rentals

Short‑term Rentals

Value‑add Acquisitions

Portfolio Expansion

A man and woman are seated at a table reviewing a rental agreement

Traditional DSCR Loans

Optimized for Cash‑Flowing, Stabilized Rentals

Best for:

  • Cash‑flow‑positive rentals
  • Long‑term buy‑and‑hold investors
  • Refinancing stabilized properties
  • Borrowers prioritizing rate and predictability

Key Benefits:

Qualification based on property cash flow

  • No income documentation
  • Multiple financed properties allowed
  • Fixed rate and ARM options

Program Highlights:

  • Up to 85% LTV on purchases
  • Up to 80% LTV on cash out
  • Short term rentals allowed
  • Interest only options
  • Minimum DSCR: 0.75
  • 6 month seasoning for cash out
Room under renovation

No Ratio DSCR Loans

Maximum Flexibility for High‑Potential or Underperforming Properties

Best for:

  • Value‑add acquisitions
  • Vacant or underperforming rentals
  • Rehab‑to‑rent strategies
  • Investors who don’t meet DSCR minimums

Key Benefits:

  • No DSCR requirement
  • No rental income needed
  • Great for negative cash flow properties
  • Fast, investor friendly underwriting

Program Highlights:

  • Up to 80% LTV purchase / 70% LTV cash out
  • 30 & 40 year fixed and ARM options
  • Vacant properties considered
  • Qualify using interest only payment

Additional Features

  • Loan amounts: $250K – $3.5M
  • Rate buydowns available
  • Purchase, refi, and cash out
  • SFR, condos, 1–8 units, condo tel, TIC
  • First time investors welcome
  • Unlimited financed properties
  • LLC/corporate vesting allowed
  • FICO down to 660
  • Foreign nationals eligible
Closeup house model over the Sale representative
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Why Investors Choose Us

  • Investor focused underwriting
  • Fast turn times
  • Flexible guidelines
  • Scalable solutions for repeat borrowers
  • Consistent execution across property types

Ready to scale your portfolio?

Get a DSCR loan built around your investment strategy.

Start Your DSCR Pre Approval