Scale Your Real Estate Empire
Without Using Your Personal Income
Use rental income, not personal income — no limit on how many properties you can acquire
No income verificationFast approvals
Build Your Real Estate Empire Without Limits
Use rental income, not personal income — grow your portfolio with every successful property
Simple DSCR Calculation
Property performance is what matters most. Credit history only affects your rate, not approval.
Business Protection
Purchase through your LLC or corporation. Keep investments separate from personal finances.
Unlimited Growth
Scale your portfolio without personal income restrictions. The property's performance is what counts.
How DSCR Loans Work
- 1
Find your investment property
- 2
We calculate the Debt Service Coverage Ratio
- 3
Get approved based on current or projected rental income
- 4
Close quickly and move on to your next deal
Our DSCR loan program offers a streamlined path to financing your investment property:
- Protect your assets by purchasing through an LLC - full entity protection with great rates
- Use actual rental income from existing tenants or projected rental income from a market analysis
- No tax returns or personal income verification needed - property performance is what matters
- Minimum credit score of 640 required (affects rate only, not approval)
- Down payments from 20-25% depending on property type and DSCR ratio
- Close in as little as 21 days with our streamlined process
- Interest rates based on DSCR ratio, credit score, and down payment amount
- Available for both purchase and refinance transactions
- No limit on number of properties - scale your portfolio based on performance
What is DSCR?
The DSCR is a tool to help lenders understand a property's ability to pay back a loan based on its rental income. Unlike traditional loans, your personal income isn't considered.
For Single Family Properties:
For Commercial Properties:
What Affects Your Terms?
- Property's DSCR ratio (primary factor)
- Down payment amount (20-25% typical)
- Credit score (affects rate, not approval)
How DSCR Loans Work
- 1
Find your investment property
- 2
We calculate the Debt Service Coverage Ratio
- 3
Get approved based on current or projected rental income
- 4
Close quickly and move on to your next deal
Our DSCR loan program offers a streamlined path to financing your investment property:
- Protect your assets by purchasing through an LLC - full entity protection with great rates
- Use actual rental income from existing tenants or projected rental income from a market analysis
- No tax returns or personal income verification needed - property performance is what matters
- Minimum credit score of 640 required (affects rate only, not approval)
- Down payments from 20-25% depending on property type and DSCR ratio
- Close in as little as 21 days with our streamlined process
- Interest rates based on DSCR ratio, credit score, and down payment amount
- Available for both purchase and refinance transactions
- No limit on number of properties - scale your portfolio based on performance
What is DSCR?
The DSCR is a tool to help lenders understand a property's ability to pay back a loan based on its rental income. Unlike traditional loans, your personal income isn't considered.
For Single Family Properties:
For Commercial Properties:
What Affects Your Terms?
- Property's DSCR ratio (primary factor)
- Down payment amount (20-25% typical)
- Credit score (affects rate, not approval)
Real Success Story: Breaking Free from DTI Limits
How one investor discovered the power of DSCR loans
Starting Point
Michael had already purchased two rental properties using traditional financing. Despite good income and credit, his debt-to-income ratio was maxed out, preventing him from expanding his portfolio further.
DSCR Solution
We helped Michael form an LLC and secure DSCR financing based on projected rental income. His personal DTI was irrelevant - only the property's performance mattered for approval.
12-Month Growth
With a strong DSCR track record, Michael rapidly expanded his portfolio from 2 to 7 properties in just 12 months. Now that he's broken free from DTI constraints, the sky's the limit - he can continue scaling his portfolio as fast as he can find profitable properties.
Portfolio Growth
Success Stories from Real Investors
Join thousands of investors who've grown their portfolios with our DSCR loans
Michael R.
Real Estate Investor
Austin, TX
"Thanks to DSCR financing, I've expanded from 2 to 8 properties in just 18 months. The process was seamless."
Sarah L.
Property Portfolio Owner
Miami, FL
"No more W-2 restrictions! I was able to qualify based on my property's performance alone. Game-changer."
David K.
Investment Property Owner
Chicago, IL
"The fastest approval I've ever experienced. From application to closing in just 21 days."
Jennifer M.
Real Estate Entrepreneur
Phoenix, AZ
"Finally, a lender that understands real estate investors. Their DSCR program helped me scale rapidly."
Robert W.
Property Investor
Denver, CO
"The ability to qualify without tax returns was exactly what I needed. Highly recommend!"
Thomas H.
Multi-Property Owner
Seattle, WA
"Being able to purchase through my LLC with great rates was crucial. Now I have proper asset protection for my growing portfolio."
Amanda C.
Real Estate Investor
Nashville, TN
"Started with a duplex, now managing 6 properties. The projected rent qualification made it possible to start investing while units were vacant."
Marcus B.
Property Developer
Atlanta, GA
"As a self-employed investor, traditional loans were a hassle. DSCR loans focus on what matters - the property's income potential."
Patricia L.
Portfolio Manager
San Diego, CA
"Refinanced my entire portfolio with DSCR loans. Better rates, no tax return reviews, and quick closings. Couldn't be happier."
Richard M.
Commercial Investor
Dallas, TX
"The 1.25 DSCR ratio requirement pushed me to find better deals with strong cash flow. My portfolio is much healthier because of it."
Elena S.
Airbnb Property Owner
Orlando, FL
"Switched from traditional mortgages to DSCR loans for my short-term rentals. The higher rental income helps me qualify for better terms."
James P.
Real Estate Investor
Las Vegas, NV
"Love that I can close deals faster with DSCR loans. In this competitive market, quick closing times give me an edge over other buyers."
Michael R.
Real Estate Investor
Austin, TX
"Thanks to DSCR financing, I've expanded from 2 to 8 properties in just 18 months. The process was seamless."
Sarah L.
Property Portfolio Owner
Miami, FL
"No more W-2 restrictions! I was able to qualify based on my property's performance alone. Game-changer."
David K.
Investment Property Owner
Chicago, IL
"The fastest approval I've ever experienced. From application to closing in just 21 days."
Jennifer M.
Real Estate Entrepreneur
Phoenix, AZ
"Finally, a lender that understands real estate investors. Their DSCR program helped me scale rapidly."
Robert W.
Property Investor
Denver, CO
"The ability to qualify without tax returns was exactly what I needed. Highly recommend!"
Thomas H.
Multi-Property Owner
Seattle, WA
"Being able to purchase through my LLC with great rates was crucial. Now I have proper asset protection for my growing portfolio."
Amanda C.
Real Estate Investor
Nashville, TN
"Started with a duplex, now managing 6 properties. The projected rent qualification made it possible to start investing while units were vacant."
Marcus B.
Property Developer
Atlanta, GA
"As a self-employed investor, traditional loans were a hassle. DSCR loans focus on what matters - the property's income potential."
Patricia L.
Portfolio Manager
San Diego, CA
"Refinanced my entire portfolio with DSCR loans. Better rates, no tax return reviews, and quick closings. Couldn't be happier."
Richard M.
Commercial Investor
Dallas, TX
"The 1.25 DSCR ratio requirement pushed me to find better deals with strong cash flow. My portfolio is much healthier because of it."
Elena S.
Airbnb Property Owner
Orlando, FL
"Switched from traditional mortgages to DSCR loans for my short-term rentals. The higher rental income helps me qualify for better terms."
James P.
Real Estate Investor
Las Vegas, NV
"Love that I can close deals faster with DSCR loans. In this competitive market, quick closing times give me an edge over other buyers."
Michael R.
Real Estate Investor
Austin, TX
"Thanks to DSCR financing, I've expanded from 2 to 8 properties in just 18 months. The process was seamless."
Chat with a Loan Guide about the shortest path to your DSCR loan
Get expert guidance within minutes during business hours (M-F, 9am-5pm EST). No obligations, just straight answers.
Purchase through LLC or personally
Get rate quotes without credit impact
Typical response time: 5-120 minutes (weekdays)