Financing Solutions for Real Estate Investors
Scale your portfolio without income limits. DSCR loans let you qualify based on rental income alone - no tax returns, no W-2s, no DTI calculations. Perfect for full-time investors and portfolio builders.
Licensed Lender
NMLS #139369
Investor Loans Funded
$1.8B+ Portfolio Loans
Properties Financed
5,000+ Investment Properties
A+ Rated
BBB Accredited Business
Why Investors Choose DSCR Loans
The fastest way to scale your real estate portfolio
No personal income verification - qualify on rental income alone
DSCR as low as 1.0 (some lenders accept 0.75)
Up to 80% LTV for purchases, 75% for cash-out refinance
Unlimited number of financed properties
30-year fixed, 15-year fixed, 5/1 ARM, and 7/1 ARM options
Close in your LLC or personal name
Investor Success Stories
Real investors scaling their portfolios with DSCR financing
The Challenge
Owned 8 rental properties but couldn't qualify for more using traditional financing
Our Solution
DSCR loan at 7.5% with 25% down, no income verification
The Outcome
Purchased 3 additional properties in 6 months, growing portfolio to 11 units
The Challenge
Wanted to invest in Florida market but lived in California, no local income docs
Our Solution
DSCR loan for turnkey rental at 7.25%
The Outcome
Purchased cash-flowing duplex generating $3,800/month rent
The Challenge
Needed fast financing for 1031 exchange replacement property
Our Solution
DSCR loan closed in 18 days at 7.375%
The Outcome
Completed 1031 exchange, deferred $180K in capital gains taxes
Investment Strategies We Finance
DSCR loans work for every real estate investment strategy
Buy & Hold
Build long-term wealth through rental income and appreciation. DSCR loans perfect for portfolio growth without income limits.
BRRRR Method
Buy, Rehab, Rent, Refinance, Repeat. Use DSCR cash-out refinance to pull equity and fund next deal.
Turnkey Rentals
Purchase fully renovated, tenant-occupied properties. DSCR loans close fast for out-of-state investors.
1031 Exchanges
Defer capital gains taxes by exchanging properties. DSCR loans close quickly to meet 45-day deadlines.
DSCR Loan Requirements
What you need to qualify for investment property financing
Monthly rent ÷ monthly PITIA payment. Higher DSCR = better rates
700+ scores qualify for lowest rates and fees
25% down gets best pricing. Some programs allow 20% down
No major repairs needed. Property must be habitable
Existing lease or appraiser's market rent estimate
Single-family, condo, townhome, 2-4 unit multifamily
Portfolio Growth Roadmap
Strategic financing for every stage of your investing journey
Strategy
Start with single-family homes or small multifamily
Financing Approach
DSCR loans with 25% down, focus on cash flow
Pro Tips
Target DSCR of 1.25+ for safety margin. Build reserves for vacancies and repairs.
Strategy
Diversify across property types and markets
Financing Approach
Mix of DSCR and portfolio loans, optimize cash-out refinancing
Pro Tips
Leverage equity from existing properties. Consider property management for scale.
Strategy
Commercial multifamily, syndications, or large portfolio
Financing Approach
Portfolio loans, commercial loans, private money
Pro Tips
Work with specialized lenders. Consider LLC structures for liability protection.
DSCR Loans vs Conventional Investment Property Loans
See how DSCR loans compare to traditional investor financing
| Feature | Conventional Loan | DSCR Loan |
|---|---|---|
| Income Verification | Full tax returns, W-2s, employment verification | No income verification - rental income only |
| Best For | W-2 employees buying 1-4 investment properties | Full-time investors, self-employed, portfolio builders |
| Property Limit | Maximum 10 financed properties | Unlimited financed properties |
| Minimum DSCR | Not applicable (uses personal DTI) | 1.0 minimum (0.75-0.99 available) |
| Credit Score | 620+ (varies by lender) | 640+ (680+ for best rates) |
| Down Payment | 15-25% for investment properties | 20-25% (25% standard) |
| Closing in LLC | Difficult or not allowed | Yes, no additional requirements |
| Interest Rate | Lower (market rate + investor premium) | 0.5-1.0% higher than conventional |
Calculate Your Property's DSCR
See if your investment property qualifies. Enter the monthly rent and property details to get an instant DSCR calculation and estimated loan amount.
Use DSCR CalculatorFree Download: Real Estate Investor's DSCR Loan Guide
Get our comprehensive guide covering DSCR calculations, property analysis, portfolio growth strategies, and step-by-step qualification checklist. Perfect for both new and experienced investors.
Download Free GuideNo email required • Instant PDF download • 18-page guide
Frequently Asked Questions
Get answers to common questions about DSCR loans for investors
Need help with your investment strategy?
Talk to an Investor SpecialistReady to Scale Your Portfolio?
Stop letting income limits hold you back. DSCR loans let you grow your portfolio as fast as you can find good deals. Let's get you pre-approved today.
Questions? Call us at (800) 921-4858