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DSCR Loans for Investment Properties
Invest Based on Property Income, Not Personal Income
Our DSCR Loan Program is designed for real estate investors who want approval based on their property’s income instead of personal employment or tax returns. With no ratio requirement available, loans up to $3.5 million, and LTVs up to 80%, this program provides the flexibility to grow your portfolio without the traditional lending roadblocks. Short-term rental income from Airbnb, VRBO, and similar platforms is eligible, and interest-only payment options make it even easier to manage cash flow.
FAQs
What is a DSCR loan?
A Debt Service Coverage Ratio loan compares a property’s income to its expenses, not your personal income.
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Do I need to verify my job or W-2 income?
No — approval is based on the property’s income.
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Can I use short-term rental income?
Yes — Airbnb, VRBO, and other short-term rental income is eligible.
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What’s the maximum loan amount?
Up to $3.5 million.
Why This Program Works for Investors
Traditional mortgages often require employment verification and personal income documentation that many investors don’t have — especially if they rely on rental income. DSCR loans remove these barriers by qualifying you based on the property’s performance, making it faster and easier to expand your portfolio.
A Smarter Way to Build Your Portfolio
Whether you’re acquiring your first rental property or adding another to your portfolio, DSCR loans let you focus on cash flow instead of complicated income paperwork. With flexible property eligibility and financing options, you can grow your investments with confidence.