Enter your investment property numbers — we calculate DSCR, LTV, and run them against our program guidelines live. No credit pull. No tax returns. No W-2s.
Use realistic estimates. Final approval depends on appraisal, Form 1007 rent schedule, and credit report.
Live — updates as you type.
DSCR (Debt Service Coverage Ratio) is your property's gross monthly rent divided by your total monthly housing payment — principal, interest, taxes, insurance, and HOA (PITIA). A DSCR of 1.00 means the rent exactly covers the payment. Above 1.00 cash-flows; below 1.00 falls short.
Our program minimum is 1.00. Some scenarios allow DSCR slightly below 1.00 with compensating factors (stronger credit, lower LTV, or additional reserves). Reach out and we'll review.
No. DSCR loans qualify based on the property's rental income — not your personal income. No tax returns, no W-2s, no employment verification.
Up to 80% for purchase and rate/term refinance, and 75% for cash-out refinance. Exact LTV depends on credit score, DSCR, property type, and reserves.
Typical close is 3 – 4 weeks from a complete file. AI-powered underwriting means many files close in days. You'll need appraisal, rent schedule, title, insurance, and LLC docs if applicable.
Yes — LLC vesting is allowed and common. Personal guarantees may still be required depending on the lender.
Apply in minutes. Our team structures your file and brings you a term sheet within 24–48 hours.
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