Qualify Based on Rental Income — Not Tax Returns

DSCR loans let you finance rental properties using the property's cash flow instead of your personal income. No W-2s. No pay stubs. No tax return headaches.

Apply Now 888-375-7977

NMLS #144773 Nationwide Lending Close in 3-4 Weeks Equal Housing Lender

No Tax Returns

Skip the paperwork. We qualify you based on the property's rental income, not your personal financials.

Close in 3-4 Weeks

Streamlined underwriting means faster closings. Get funded before you lose that deal to another buyer.

30-Year Fixed Available

Lock in a fixed rate for the full loan term. Predictable payments make it easy to project cash flow for years ahead.

DSCR Loan Terms at a Glance

Loan Amount $75K – $5M+

Max LTV Up to 80%

DSCR Requirement As low as 0.75x (no-ratio options available)

Credit Score 650+ minimum

Loan Terms 5, 7, 10, or 30-year fixed

Property Types 1-4 unit SFR, condos, townhomes, warrantable & non-warrantable

Prepayment Flexible options including no prepay penalty

"We closed in 22 days with no tax returns required. The entire process was straightforward — they pulled a rent schedule, confirmed the DSCR, and we were done. Best lending experience I've had as an investor."

— Portfolio Investor, 12 Properties Financed

Get Your DSCR Loan Quote

Tell us about your property and we'll send you a rate quote — no credit pull, no obligation.

Apply Now Call 888-375-7977