DSCR Home Loan
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on the rental property's cash flow — not your W-2 or tax returns. Perfect for serious real estate investors.
What is DSCR Home Loan?
DSCR loans are the workhorse of modern real estate investing. By qualifying on the property's cash flow instead of your personal income, they sidestep every problem self-employed investors face with conventional lenders.
The math is simple: monthly rent ÷ monthly PITI must equal 1.0 or higher. If the property cash-flows, the loan is approvable.
[Your Company] funds DSCR loans for single-family rentals, small multifamily, and short-term rentals. We close in LLCs, allow flexible reserves, and have programs for borrowers with 5+ financed properties.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Investors with strong rental cash flow but complex tax returns
- LLC borrowers
- Investors beyond Fannie/Freddie property caps
- Short-term rental (Airbnb) investors
Key benefits
No Personal Income Docs
No tax returns, no W-2s, no pay stubs — qualify on property cash flow.
LLC Vesting
Close in your business name with simple personal guarantee.
No Limit on Properties
Scale your portfolio without conventional caps.
Cash-Out Up to 75%
Pull cash from rental equity to fund the next acquisition.
How it works
DSCR Calc
We confirm property rent ÷ PITI ≥ 1.0.
Apply
Focus on credit and property — minimal personal docs.
Appraise & Rent Schedule
Appraiser confirms market rent for the property.
Close
Typical 25–30 days; LLC closings welcome.
Frequently Asked
Get a personalized DSCR Home Loan quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.