DSCR Investment Property Loans
Expand your real estate portfolio without the hassle of tax returns. We connect you with lenders that qualify your loan based purely on the property's cash flow, not your personal income.
The Debt Service Coverage Ratio (DSCR) loan is designed specifically for real estate investors. By analyzing the rental income a property generates versus its debt obligations, our partners can bypass traditional income verification. It's the perfect vehicle for aggressive portfolio growth.
Loan Amount
$100,000 - $2,000,000
Loan Term
30-Year Fixed
Max LTV
Up to 80%
Min FICO
660 (SFR) / 680 (2-4 Family)
Min DSCR
As low as 0.75x
Documentation
No Tax Returns Required
Eligible Property Types
1-4 Unit Attached/Detached Homes
Short-Term Rentals (Airbnb, VRBO)
Warrantable & Non-Warrantable Condos
Planned Unit Developments (PUDs)
Portfolio Loans Available
Consolidate your debt and simplify your payments by rolling multiple rental properties into a single DSCR portfolio loan.
- Loan Amounts: $500,000 - $6,250,000
- Consolidate 3 to 25 properties in a single loan
- Minimum unit value of $100,000
- Partial releases permitted, maximizing flexibility
Borrower Requirements
- New and seasoned investors are eligible
- Must be U.S. citizens, permanent residents, or borrowing through a legal entity (LLC, Corp)
- First-time homebuyers are not eligible (must own primary residence)
- Lowest median credit score among multiple borrowers is used for qualification