Qualify on the Property's Rent —
Not Your Tax Returns
DSCR rates starting at 5.75%* · Close in as few as 15 days
What are you looking to do?
Getting your quote won't affect your credit score.
No hard pull. Takes about 60 seconds.
How it works
Program Highlights
Purpose-built financing for active real estate investors.
30- or 40-Year Fixed
Interest-Only Available
Up to $30MM Loan Amounts
Down to 640 FICO
Unlimited Financed Properties
Gift Funds Allowed
Quick Answers for Smart Investors
Direct, plain-English facts for research-minded buyers and refinancers.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan qualifies you primarily on the property's rental income compared to its monthly mortgage payment, instead of your personal income or debt-to-income ratio.
Do I need tax returns or W-2s?
No. DSCR loans don't require tax returns, W-2s, or pay stubs to verify personal income. Credit, assets, and the property itself are still reviewed.
Can I close in an LLC?
Yes. You can hold title and close directly in your LLC, S-Corp, or entity to protect your assets and streamline your real estate business.
How much down payment is required?
Purchases typically start at 15% to 20% down depending on credit score and property cash flow.
How is DSCR calculated?
DSCR equals the property's monthly rent divided by its monthly housing payment (principal, interest, taxes, insurance, and any HOA). For example, $2,500 in rent against a $2,000 payment is a DSCR of 1.25, meaning the rent covers the payment 1.25 times.
Can I cash out equity?
Yes. Cash-out refinances are available to tap equity for your next acquisition or property improvements.