DSCR Loans for Real Estate Investors
Qualify on Property Cash Flow, Not Personal Income
Long-term rental financing where the property itself supports the loan. We size to debt-service-coverage rather than W-2s or tax returns.
Program Highlights
- 30-year fixed and interest-only options
- Property cash flow qualifies the loan
- No W-2s, 1040s, or employment verification
- Minimum 0.80 DSCR on larger commercial loans
- Available on 1-4 unit rentals, condos, and 5+ unit multifamily
- 45 states covered (not AZ, MN, ND, SD, VT)
Frequently Asked Questions
What DSCR do you require?
Most residential rental deals close without a hard DSCR minimum. Larger commercial and multifamily loans use a 0.80 DSCR floor.
Are personal tax returns required?
No. Qualification is based on the property's rental income and value.
Can I close in an LLC?
Yes. LLC, LP, trust, and corporate vesting are all standard.
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