DSCR Loans for Real Estate Investors. No Income Docs. 1–8+ Units.
Qualify on the property's rental income — not your tax returns. Finance single-family rentals, 2–4 units, and 5+ unit multifamily with one streamlined loan program.
- 21 days
- Typical close
- 1–8+
- Units financed
- $0
- W-2s required
Free · No obligation
Get your DSCR quote
Tell us about the property. Same-day terms on most scenarios.
Why DSCR
A rental property loan built for investors
The Debt Service Coverage Ratio (DSCR) loan qualifies you on the property's projected rental income. No personal income verification. No tax returns. No employment letters. Just the deal.
No income docs
Skip W-2s, pay stubs, and tax returns. We qualify the property, not your personal income.
1 to 8+ units
Single-family rentals, 2–4 units, and 5+ unit multifamily — all under one DSCR program.
Cash-out & purchase
Purchase, rate-and-term refinance, or pull equity out of rentals you already own.
Fast common-sense underwriting
Close in as few as 21 days with a streamlined investor-focused process.
LLC vesting welcome
Close in your LLC. Build your portfolio without commingling personal credit.
Nationwide reach
From Florida and Texas to Pennsylvania and Washington — we lend across the country.
The DSCR formula
Gross rent ÷ PITIA = DSCR
If the property's gross monthly rent covers (or exceeds) the monthly principal, interest, taxes, insurance, and association dues, it qualifies. Most investors hit a 1.0–1.25 DSCR — and many programs go lower with pricing adjustments.
See the full breakdown →Example only. Actual qualification depends on credit, LTV, reserves, and program.
Where we lend
DSCR loans across the country
We provide nationwide financing specifically tailored for real estate investors. Financing available in select states and are subject to change. Loans are strictly for business-purpose, non-owner occupied investment properties only. Not all products or loan amounts are available in all jurisdictions.
Ready to grow your rental portfolio?
Get a no-obligation DSCR quote. Tell us about the property — we'll send back terms in hours, not days.