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DSCR No Ratio – For Investment Properties
Close deals faster with zero income paperwork — focus on property potential, not personal income.
Real estate investors deserve financing that moves at their pace and adapts to their goals. Our DSCR No Ratio program eliminates the need for tax returns, W-2s, or personal income verification — approval is based solely on the property’s ability to generate rental income. Whether you’re purchasing your first investment property or expanding an established portfolio, this program offers speed, flexibility, and investor-friendly terms designed to keep you competitive in today’s market.
FAQs
Q: What does “No Ratio” mean in DSCR loans?
A: It means we don’t require a minimum debt service coverage ratio for approval — making it possible to qualify even if rental income doesn’t fully cover debt obligations.
Q: Who is this program best for?
A: Investors with strong assets or property equity who want fast closings without the hassle of income verification.
Q: Can I use this for short-term rentals?
A: Yes, income from Airbnb, VRBO, and other short-term rentals is allowed.
Q: Are there limits to how many properties I can finance?
A: No — you can finance as many properties as your investment strategy requires.
Q: Do I need reserves?
A: Reserve requirements vary based on loan size, LTV, and property type. We’ll review your scenario to confirm exact needs.
Why This Program Works
Traditional financing often stalls investors with strict income requirements and extensive paperwork. DSCR No Ratio flips the script by focusing on property value and investor equity, letting you scale faster without proving personal income.
A Smarter Way to Invest Without Boundaries
Instead of waiting weeks for underwriting, you can close quickly and keep your portfolio growing. Whether it’s your first deal or your 50th, this program gives you the freedom to invest where and how you choose — even in non-traditional properties like non-warrantable condos and leaseholds.