The fastest, easiest DSCR loan on the planet. Get a quote in minutes.
Qualify on rental income — not tax returns. If the property's rent covers the mortgage, you're approved. No W-2s, no pay stubs, no DTI calculation. Close in your LLC in as little as 2 weeks.
Check Your DSCR RateNo credit impact · Takes 2 minutesHow DSCR works
The Debt Service Coverage Ratio measures whether a property's rental income can cover its mortgage payment. Lenders use this single number to determine if you qualify — your personal income never enters the equation.
A DSCR of 1.25 means the property earns 25% more than the mortgage payment. Most programs require 1.0 or higher. We offer options down to 0.75 for strong borrowers.
DSCR vs conventional investment loans
Conventional mortgages work for your first rental or two. After that, DSCR loans offer faster closings, no income caps, and entity vesting that conventional lenders cannot match.
| DSCR loan | Conventional | |
|---|---|---|
| Income docs | None required | Tax returns, W-2s, pay stubs |
| Max properties | No limit | 10 financed properties |
| Vesting | LLC, trust, or corporation | Personal name only |
| Interest-only | Available on most programs | Not available |
| Time to close | 2-3 weeks typical | 30-45 days |
| Best for | Scaling portfolios, self-employed | First 1-2 properties, W-2 earners |
What properties qualify
DSCR loans cover nearly every income-producing residential property type.
Single-family
1-unit investment homes in any market. The most common DSCR collateral type.
2-4 Unit
Duplexes, triplexes, and fourplexes. Combined rental income boosts your DSCR ratio.
Condo
Warrantable and non-warrantable condos accepted. HOA dues factored into PITIA.
Townhome
Attached and detached townhomes eligible with standard DSCR underwriting.
Short-term rental
Airbnb and VRBO properties qualify using 12-month income history or projection reports.
Mixed-use
Select mixed-use properties with residential and commercial components on a case-by-case basis.
DSCR calculator
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DSCR Calculator
See if your rental property qualifies for a DSCR loan
How investors use DSCR loans
Long-term rental
Self-employed investor buys a SFR for $320K. Appraisal shows market rent of $2,400/mo. DSCR of 1.21 qualifies easily — no tax returns needed.
Airbnb property
Couple buys a vacation rental near the beach for $450K. 12-month rental income history from Airbnb shows $3,800/mo average. DSCR qualifies at 1.15.
Duplex cash-out refi
Investor owns a duplex worth $380K with $180K remaining. Cash-out refi at 75% LTV pulls $105K to fund next acquisition.
Frequently asked questions
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