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DSCR Loans – Make Investment Property Deals Easier
Invest Based on Property Cash Flow, Not Personal Income
Our DSCR Loan Program is built for real estate investors who want to qualify based solely on the property’s income. Forget tax returns, W-2s, or employment verification — we approve based on the Debt Service Coverage Ratio (DSCR), making it easier to secure financing for both short-term and long-term rentals. With DSCR ratios as low as 0.80 accepted, competitive LTVs, and high loan amounts, you can expand your portfolio faster and with fewer documentation hurdles.
FAQs
Do I need to verify personal income?
No — approval is based solely on the property’s cash flow.
What’s the minimum DSCR allowed?
As low as 0.80.
Are short-term rentals allowed?
Yes — Airbnb, VRBO, and other short-term rental income is eligible.
Can foreign nationals apply?
Yes — this program is available for foreign national borrowers.
Why This Program Works for Investors
Traditional lenders often require employment verification and tax returns, which can be a barrier for active investors. DSCR loans focus only on the property’s ability to generate income, making them a fast, straightforward solution for building a rental portfolio.
Program Highlights:
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Program Highlights:
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Qualify on investment property cash flow only
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1–4 unit properties eligible
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DSCR as low as 0.80 accepted
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Loan amounts up to $2M
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Up to 80% LTV for purchase and rate/term refinances
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Up to 75% LTV for cash-out refinances
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Airbnb & VRBO approved
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Foreign national program available