Loan amount
$75,000 – $1,000,000
DSCR Investor Loan
The fastest, easiest DSCR loan in America.
Funded in days, not weeks. No W-2s. No tax returns. No human-underwriter delays. AI-driven approval on the property's rental income — not your personal finances.
Find my rate
Soft credit pull only · No effect on your credit score
$1MMax loan
30-yrFixed rate
$0Appraisal under $400K
Get Your DSCR Loan Rate
No tax returns needed. Qualify based on rental income. Takes 2 minutes.
Five-star Google reviews — real borrowers, real deals.
“Every bank and other private lender denied me, and then I found Chris. He worked with my unique situation and got me the loans I was looking for. Highly recommend. Incredibly fast DSCR approval and funding as fast as possible. Friendly service too.”
“I spent months working with another company only to be denied at the last minute due to a technicality. Best Finance had me approved shortly after I completed their forms.”
“This was the easiest and fastest cash out refi I've ever done. So much less paperwork, with a great rate, couldn't have asked for better.”
5.0 stars on Google · Best Finance, Clearwater FL · See all reviews →
Fastest DSCR closer in America*
5-business-day target close from a complete file vs. the 18–25 day industry average. Engineering-led origination — API doc-parsing, automated underwriting, integrated capital partners. Most brokers don’t have these tools.
Appraisal waived under $400K
BPO (Broker Price Opinion) replaces the multi-week appraiser wait on cash-out loans under $400K. Saves 1–2 weeks vs. full field appraisal. Loans over $400K still require a full field appraisal.
Property qualifies, not you
No tax returns. No W-2s. No paystubs. No DTI math. The property’s rental income (DSCR ≥ 1.0) is the qualifier. Close in your LLC. Business-purpose only.
*“Fastest DSCR closer in America” reflects Best Finance’s average DSCR cash-out close time from a complete file compared to the 18–25 day industry average reported by the American Association of Private Lenders (AAPL) in 2024–2025 surveys. Individual results vary by file completeness, property type, and lender capacity. The 5-day target is not a guarantee.
Your rental income just got more powerful
Fast funding
Funded in days, not weeks. AI-driven underwriting and no human underwriting bottleneck — once the file is clean it moves.
No W-2s, no tax returns
Qualify on rental income alone. Property cash-flow does the talking. No personal-income docs, no DTI math.
Smarter tech, faster approvals
AI scans leases, asset statements, LLC docs, and property data the moment you upload them — cutting paper-shuffling out of the timeline.
Best Finance DSCR vs. traditional investment property loans
Not all rental-property loans are created equal. Here's how this stacks up against a conventional investment-property mortgage.
| Feature | Best Finance DSCR | Traditional Investment Property Loan |
|---|---|---|
| Approval basis | Rental income (no W-2, no tax returns) | Personal income + DTI |
| Speed to fund | Days, not weeks | Weeks to months |
| Underwriting | AI-driven, automated | Human underwriter, manual review |
| Appraisal | Not required under $400K | Always required |
| Title insurance | Instant lien search — no policy | Full policy, days of workup |
| Paperwork | Lease + asset + ID + LLC docs | Tax returns, W-2s, paystubs, bank statements, asset history |
| Pre-qual credit hit | Soft pull only | Hard pull at application |
| Loan term | 30-year fixed, fully amortizing | Often 5/1 ARM or 7/1 ARM |
| Investor focus | Built for real estate investors and LLCs | Often more restrictive for investors |
What makes this DSCR program different
Things most DSCR lenders don't offer — and we do.
No appraisal under $400K
Properties under $400,000 use a BPO instead of a full field appraisal. That removes 1–2 weeks and $400–$700 from every sub-$400K deal.
No title insurance — instant lien search
Eliminates the standard $1–3K title-insurance line and the multi-day title workup. The lien check is API-instant.
Soft pull pre-qual
Find out what you qualify for in seconds without dinging your credit. Hard pull only happens once you submit the full application.
First-time investor friendly
We accept first-time investment-property buyers — most DSCR lenders won't. Adjusted terms, but real approvals: max $500K, DSCR ≥ 1.1.
How to get a DSCR loan
1
Find your rate in seconds
Soft credit pull. Property address, estimated rent, basic borrower info. No effect on your credit score.
2
Submit the full application
Upload lease, ID, asset statement, LLC docs (if applicable). AI parses them as you upload — no human underwriter bottleneck.
3
Close and grow your portfolio
Funded in days, not weeks. Use the proceeds to acquire the next deal — or cash-out refinance to free up equity.
Straightforward terms
Term
30-year fixed, fully amortizing
Min DSCR
1.0 (1.1 first-time investor)
Max LTV
80% rate/term, 75% cash-out
Lien position
First-lien only
Reserves
3 months PITIA (6 months for 2-4 unit)
Autopay discount
0.25% off rate
Everything you need to know about DSCR loans
What is a debt service coverage ratio (DSCR)?
Your DSCR = Net Operating Income (NOI) ÷ Total Debt Service. A DSCR above 1.0 means your rental income covers your loan payments — making you a solid candidate for financing.
What is a DSCR Loan?
A DSCR loan is designed for real estate investors, allowing you to qualify based on the property's rental income rather than your personal income. It's a practical option for investors who prefer not to provide traditional income documentation.
Use cases of DSCR loans
DSCR loans are great for refinancing existing rentals, cash-out refinancing to free up equity, and expanding real estate portfolios.
Who should consider a DSCR loan?
Real estate investors looking to expand their rental portfolio. Self-employed individuals who want easy qualification without tax-return analysis. Corporations or LLCs needing investment-property financing.
How does a DSCR loan work?
Instead of looking at your personal income, lenders check your rental income. If the property's DSCR meets requirements, you qualify — no W-2s, no tax returns needed.
What property types can you use a DSCR loan for?
Single-family residences, condos, PUDs, townhomes, and 2–4 unit investment properties. Florida condos cap at 70% LTV; unoccupied 2-4 unit properties take a 5-point LTV reduction.
What loan amounts does Figure offer?
Loan amounts from $75,000 to $1,000,000. First-time investment-property buyers cap at $500,000 (max cash-out $250,000).
How much can I borrow?
Max 80% LTV for rate-and-term refinances and up to 75% LTV for cash-out refinances. Your specific cap depends on home value, lien position, verified rental income, and equity.
Why investors and homeowners trust Best Finance
21 five-star Google reviews
Real borrowers, real closings. Read every review.
Engineering-led mortgage broker
Founded by Chris Harris — UCLA-trained electrical engineer, NASA veteran, inventor of a life-saving robotic medical device. Built Best Finance to bring engineering rigor to mortgage lending.
75+ wholesale lender partners
Including Figure (DSCR specialist), bank, credit-union, and non-QM lenders. We shop your file across the network so you get the right product — not just the one we sell.
Founded by Chris Harris — UCLA-trained electrical engineer, NASA veteran, inventor of a life-saving robotic medical device. Best Finance was built to bring engineering rigor to mortgage lending.
DSCR loan FAQs
Ready to grow your portfolio?
Soft credit pull. Find out what you qualify for in seconds — no commitment, no impact on your credit.
Find my rateNMLS# 2011725 · Best Finance · Equal Housing Lender. All loans subject to credit approval and underwriting. Rates, terms, and program availability subject to change without notice. Not a commitment to lend. Investment property loans — business-purpose only, not for owner-occupied properties. DSCR loans are subject to property and borrower eligibility. Pre-qualification uses a soft credit pull and does not affect your credit score; full application requires a hard pull. Pre-qualification may be granted in minutes but is ultimately subject to underwriting verification, including verification that your property is in at least average condition with a full field appraisal (loans over $400K) or BPO (loans under $400K). Loan amounts $75,000–$1,000,000. Maximum loan amount may be lower depending on home value, lien position, verified rental income, and equity. First-time investment-property buyers subject to additional eligibility adjustments (max loan $500,000, max cash-out $250,000, 5-point LTV reduction, DSCR ≥ 1.1).