DSCR Loans Built for Landlords Who Qualify on the Property, Not Their Paycheck
Long-term financing underwritten around your rental income — not your tax returns, W-2s, or debt-to-income ratio.
Request Term SheetDSCR Rental Loan Program
Built for buy-and-hold investors who want to qualify off the property's cash flow instead of their personal income. If the rent covers the payment, you're in business — no tax returns, no employment verification, no debt-to-income calculation.
Apply NowProgram Highlights
- ✓ Up to 80% Loan-to-Value
- ✓ No Personal Income or Employment Verification
- ✓ Qualify Off Property Cash Flow (DSCR)
- ✓ Terms Up to 30 Years
- ✓ Fixed and Adjustable Rate Options
- ✓ Single Property and Portfolio Loans Available
- ✓ Loan Amounts Up to $3M
- ✓ Short-Term Rentals Eligible
- ✓ No Limit on Number of Financed Properties
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio — a simple comparison of what a property brings in against what the loan payment costs. Instead of digging through your tax returns and personal income history, underwriting looks at whether the property itself supports the loan.
That makes DSCR loans a fit for investors whose tax returns don't reflect their real buying power, or who simply don't want their personal finances tied to every property they acquire.
Why Use a DSCR Loan
Conventional financing caps how many properties you can hold before your personal debt-to-income ratio shuts you out. DSCR loans qualify off the deal, not your W-2, so scaling a rental portfolio isn't limited by how a bank reads your personal finances.
It also keeps the process fast and private. There's no employment verification, no tax return review, and no waiting on a lengthy personal underwriting file — just the numbers on the property itself.
Check Out Our Loan Programs
DSCR isn't the only way we fund investors. Here's the full lineup.
Fix & Flip
Short-term rehab financing with advanced draws.
Bridge Loans
Fast, short-term capital to close before permanent financing is in place.
DSCR / Rental
Long-term financing qualified on the property's cash flow.
Ground-Up Construction
Financing from lot acquisition through the full build.