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Loan Program
DSCR Loans
Qualify using your rental property's cash flow, not your personal income. No tax returns, LLC purchases allowed, short-term rentals okay.
⏱ Takes 2 minutes Free, no obligation We respond within 1 business day
A DSCR loan qualifies your deal using the property's rental income relative to its debt payments — not your personal income or tax returns. If the property cash-flows, you typically qualify.
Program Highlights
Why investors choose DSCR.
Ratio
1.0+ DSCR Typically Required
Most of our DSCR programs look for a ratio of 1.0 or higher, meaning rent covers the property's own payment. Lower ratios can often still work through our no-ratio specialist programs.
Documentation
Zero Personal Income Docs
No tax returns, no W-2s, no pay stubs — approval is based on the subject property's rent versus its monthly debt service.
Access
90+ Lenders Shopping Your Deal
Your file gets shopped across our wholesale lender network for the sharpest DSCR pricing available, not just the first offer.
Who This Program Fits
Real estate investors building or refinancing a rental portfolio, short-term rental (Airbnb) owners, self-employed investors whose tax returns don't reflect real cash flow, and anyone closing in an LLC or other entity.
FAQ
DSCR loan questions.
What DSCR ratio do I need to qualify?
Most programs look for 1.0–1.25 or higher, meaning the rent covers or exceeds the monthly payment. A ratio below 1.0 doesn't automatically disqualify you — our no-ratio and distressed-asset programs exist specifically for that scenario.
Can I use Airbnb or short-term rental income to qualify?
Yes. We work with lenders who underwrite based on actual short-term rental performance rather than only long-term market rent estimates.
Do I need to show personal income or tax returns?
No. DSCR loans qualify the property, not the borrower's personal income documentation.
Can I close a DSCR loan in an LLC?
Yes — entity vesting (LLC, corporation, or trust) is standard for business-purpose DSCR lending.
Program details last reviewed October 21, 2026.
Contact
Tell us about the deal.
Send the basics and we'll come back with what it'll take to fund it — usually within one business day.
- Phone
- 919‑395‑2411
- Office
- Raleigh, NC · Lending Nationwide
- Hours
- Mon–Fri, 8:00 AM–6:00 PM ET
Application
Ready when you are.
A few quick questions about the deal — no SSN, no documents, no commitment yet. Just enough for us to tell you what it'll take to fund it.
- ⏱ Takes 2 minutes
- 🔒 Free, no obligation
- 📞 We respond within 1 business day