How Does Rental Home Financing Underwrite Borrowers for Investment Property Loans?

We underwrite based on the income from the property portfolio, not the borrower's personal income. This is a DSCR (Debt Service Coverage Ratio) underwriting approach, which means your tax returns, W-2s, and personal debt-to-income ratios are not part of the qualification process. Even if you show a loss on your personal tax returns, you can still qualify as long as the rental portfolio generates sufficient cash flow to service the debt.

Get Your Custom Loan Quote

No application fees, no tax returns required. Most loans close in 2-4 weeks with competitive rates based on your portfolio.

Apply Now Call 888-375-7977

Income-Based on Property

We underwrite based on portfolio rental income, not personal W-2s or tax returns.

Credit Review

Minimum 650 FICO preferred with flexibility based on deal strength and portfolio quality.

Find Your Best Program

Not sure which loan fits? Our Loan Recommender matches your scenario to the right program in under 60 seconds.

Entity Structure

Blanket loans made to LLC or corporate entities. Single property DSCR programs may also close in an individual borrower's name.

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DSCR-based underwriting evaluating rental portfolio income for loan qualification

Even if you show a loss on personal tax returns, you can qualify on portfolio cash flow

What Credit and Borrower Requirements Apply?

While personal income is not a factor, we do evaluate several borrower-level criteria:

  • FICO score -- we prefer a minimum of 650, though flexibility exists depending on the strength of the portfolio and overall deal structure
  • Background check -- a standard background review is conducted on all sponsors (guarantors) of the loan
  • Real estate experience -- we look favorably on borrowers with a track record of managing or investing in rental properties
  • Entity structure -- blanket loans are made to corporate entities (LLC or corporation). Single property DSCR programs may also close in an individual borrower's name
  • Net worth and liquidity -- while not income-based, some baseline financial capacity is reviewed

International Investors

International investors with US rental properties can qualify through our standard DSCR programs -- call 888-375-7977 to discuss your situation. Because our underwriting is asset-based rather than income-based, the process is often faster and more straightforward than conventional lending.

Borrower Evaluation Criteria

  • DSCR underwriting based on portfolio income, not personal income
  • Preferred minimum 650 FICO with flexibility for strong deals
  • Background check conducted on all loan sponsors
  • Entity structure (LLC or corporation) required for closing
  • International investors eligible through standard DSCR programs

Find Out If Your Portfolio Qualifies

No personal income documentation needed. We evaluate the cash flow of your rental properties to determine your loan amount and terms.

Apply Now Call (888) 375-7977

Learn more about our No-Ratio DSCR loan program for even more flexible qualification options.