Scale Your Real Estate Portfolio with DSCR Loans
Stop waiting for traditional lenders. Get approved based on your property's rental income, not your personal credit. Expand your portfolio faster than ever before.
Min DSCR Ratio
Days to Approval
Properties
Why DSCR Loans Are Perfect for Investors
DSCR (Debt Service Coverage Ratio) loans are specifically designed for real estate investors who want to qualify based on property income rather than personal income.
Your rental income is what matters, not your tax returns. Perfect for investors with complex finances.
No limit on the number of properties. Expand as fast as your cash flow allows.
Get approved in 3-5 days. Close in as little as 7 days with our streamlined process.
Rates starting at 6.5% with flexible terms. No prepayment penalties.
0.75 DSCR minimum. We work with properties that traditional lenders reject.
Our specialists understand real estate investing. We speak your language.
DSCR vs. Traditional Loans
See how DSCR loans compare to traditional investment property financing.
| Feature | DSCR Loans | Traditional Loans |
|---|---|---|
| Qualification Based On | Property Income | Personal Income |
| Minimum DSCR | 0.75 | 1.25+ |
| Tax Returns Required | No | Yes (2-3 years) |
| W-2 Income Required | No | Yes |
| Number of Properties | Unlimited | Limited (4-10) |
| Approval Timeline | 3-5 Days | 30-45 Days |
| Interest Rates | 6.5% - 8.5% | 5.5% - 7.5% |
| Down Payment | 20-25% | 15-20% |
How DSCR Loans Work
The DSCR (Debt Service Coverage Ratio) is a simple calculation that determines your loan eligibility.
We divide your monthly rental income by your monthly loan payment (PITIA). A 0.75 ratio means your property generates 75% of what you need to cover payments.
If your DSCR meets our minimum requirements (typically 0.75+), you're approved. No complex underwriting or endless documentation.
Fund your loan in as little as 7 days. Start generating cash flow immediately with your new investment property.
What Investors Are Saying
Join hundreds of successful real estate investors who've scaled their portfolios with DSCR loans.
Sarah Mitchell
Real Estate Investor, TX
James Chen
Property Manager, CA
Maria Rodriguez
Portfolio Investor, FL
What's Inside:
- Complete list of required documents
- Organized by document category
- Lender-specific tips and guidance
- Updated for 2025 requirements
- Printable checklist format
Frequently Asked Questions
Our minimum DSCR is 0.75, meaning your property's rental income needs to cover at least 75% of your monthly loan payment. This is significantly lower than traditional lenders who typically require 1.25+.
Most DSCR loans are approved within 3-5 business days. We can close in as little as 7 days with our streamlined process.
Yes! Unlike traditional lenders who limit you to 4-10 investment properties, DSCR loans have no property limit. Scale as fast as your cash flow allows.
No. While we do review credit, DSCR loans are primarily based on the property's income. We work with investors who have credit scores as low as 620.
Single-family homes, duplexes, triplexes, 4-plexes, condos, and small apartment buildings all qualify. We even work with non-traditional properties.
DSCR loan rates typically range from 6.5% to 8.5% depending on your DSCR ratio, credit score, and down payment. Rates are competitive and there are no prepayment penalties.
Investment Property Financing
Looking for more options? Our Investment Property page covers all financing options for real estate investors including DSCR, bank statement, and fix & flip loans.
- Finance unlimited properties
- Close in your LLC
- Short-term rental programs