Real Estate Financing
DSCR Loans
No personal income verification required. Qualify based on property cash flow and rental performance.
DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors who want to qualify based on property performance rather than personal income. This powerful financing tool allows you to expand your portfolio without the documentation burden of traditional mortgages.
No Income Verification
Qualify based on property cash flow, not W-2s or tax returns. Perfect for self-employed investors or those with complex income structures.
Portfolio Scalability
No limits on the number of financed properties. Build your empire without artificial constraints.
Flexible Credit
Credit scores as low as 640 considered. We focus on the deal, not just the borrower.
Cash-Out Options
Pull equity from performing properties to fund new acquisitions or improvements.
Key Benefits
Typical Loan Terms
Ideal For
How It Works
Our Process
Submit Your Deal
Provide basic property and borrower information through our streamlined submission form.
Initial Review
Our team reviews your submission and provides preliminary feedback within 24-48 hours.
Underwriting
We analyze the property cash flow, rent rolls, and DSCR to structure your loan.
Approval & Closing
Receive approval and close in 21-30 days with minimal hassle.
Related Resources
Learn more about financing strategies and investment property loans
How DSCR Loans Work
Deep dive into DSCR calculations, qualification requirements, and how to structure deals for approval.
DSCR Loans for Rental Properties
Learn why DSCR financing is ideal for rental property investors and portfolio builders.
What Lenders Look For in DSCR Applications
Understanding the key underwriting criteria that determine DSCR loan approval.
DSCR vs Conventional Loans
Compare DSCR loans with conventional financing to determine the best option for your strategy.
Bridge to DSCR Strategy
Use bridge financing for renovations, then refinance into long-term DSCR loans.
Calculate Your DSCR
Not sure if your property qualifies? Use our DSCR calculator to quickly determine your debt service coverage ratio and see if your rental income supports financing.
Use the DSCR CalculatorReady to Get Started?
Submit your deal details and receive a preliminary decision within 24-48 hours. Our team is ready to review your opportunity.