Investment property financing based on the income the property generates — not your personal tax returns or W-2s. Up to $1,000,000 with a fixed 30-year term.
DSCR (Debt Service Coverage Ratio) loans qualify borrowers based on the income generated by the investment property — not personal income, W-2s, or tax returns. If the property's rental income covers the loan payment, you can qualify.
Leveraging AI and automated underwriting, DSCR loans can close in days, not weeks — with no manual underwriting process required. Fully amortizing 30-year fixed term.
Soft credit pull only to prequalify — no impact to your score. Know your options before committing. Our team reviews your scenario and presents your best path.
Start Free ApplicationNo W-2s, no tax returns — qualification is based on the property's rental income, not your personal income.
AI-powered automated underwriting means no manual review — loans can close in days, not weeks.
Properties can be held in an LLC entity, keeping investment properties in your preferred ownership structure.
Investment properties only. Business purpose loans — borrowers must sign a Business Loan Affidavit. Properties must have an active lease agreement with a minimum 12-month term.
DSCR stands for Debt Service Coverage Ratio. It's calculated by dividing the property's monthly rental income by its monthly loan payment (PITIA). A DSCR of 1.0 means rental income exactly covers the loan payment. Higher is better and unlocks better LTV and loan amount options.
No. DSCR loans qualify based on the property's rental income — not your personal income, W-2s, or tax returns. Ideal for self-employed investors, real estate professionals, and anyone with non-traditional income.
Typically: current lease agreement, valid government-issued ID, homeowners insurance documentation, and asset verification (3 months liquid reserves). If held in an LLC: Operating Agreement, Articles of Organization, Certificate of Good Standing, and member resolution. HOA statement if applicable.
Yes. Both natural persons and LLC entities are eligible. For LLC-held properties, all borrowers must be members with collectively at least 51% ownership of the underlying LLC. A credit check is required on all borrowers.
Applicants must demonstrate liquid reserves to cover 3 months PITIA for a single-unit property (6 months for 2–4 unit properties). Funds must have been in the account for at least 90 days. Additional reserve requirements apply for each additional active application or funded loan.
Investors who have owned and operated rental properties for less than 12 months are considered inexperienced and subject to adjusted eligibility: minimum 700 credit score, maximum loan amount reduced by 50% (up to $500K), and a 5-point LTV reduction. Experienced investors (12+ months ownership) qualify under standard guidelines.
Fast AI-powered underwriting. Close in days, not weeks.
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