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DSCR Loans for Real Estate Investors Who Move Fast

DSCR loans for real estate investors offer financing structured around asset performance — not personal income.

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Business-Purpose Only • LLC & Entity Friendly • Foreign National Programs • Nationwide Coverage

Explore DSCR loans in New York

DSCR Loan Programs Built for Active Investors

Structured around 1–4 unit performance and scalable capital execution.

DSCR Loans (1–4 Units)

Cash-flow-based financing structured around property performance.

Fix & Flip Capital

Acquisition and renovation structures for value-add operators.

Interest-Only Structures

Payment flexibility aligned with investor cash flow strategy.

Foreign National Program

U.S. investment financing for non-U.S. borrowers and entities.

FAAS50 — Conservative Leverage

Strategic 50% LTV structure for equity-focused acquisitions.

Warehouse Financing

Capital structures for income-producing warehouse assets.

Automotive Repair Facilities

Financing for income-producing auto service properties.

Industrial Financing

Capital solutions for light industrial investment assets.

Why Choose DSCR Loans for Real Estate Investors?

For many real estate investors, traditional financing can be a hurdle due to strict personal income requirements. DSCR loans for real estate investors offer a streamlined alternative by focusing on the property’s cash flow rather than your tax returns. This allows you to scale your portfolio faster and more efficiently.

Benefits of DSCR Financing

No Personal Income Verification

Qualification is based on the Debt Service Coverage Ratio (DSCR) of the asset.

Faster Closing Times

Reduced documentation leads to a more efficient approval process.

Nationwide Coverage

We provide financing solutions for investors across the United States.

Whether you are looking for long-term rental financing or short-term rental solutions, our team at FAAS Funding is here to help you structure your next investment. You can learn more about how DSCR is calculated to better understand your property’s potential.

How the Process Works

Submit Investment Scenario

Provide the property profile and leverage target.

Structured Capital Review

Program alignment based on asset performance and risk profile.

Execute & Scale

Capital structured for repeat acquisition and growth.

Structured Investment Snapshots

1–4 Unit Rental

Leverage: 72% | Structure: DSCR | Owbackground: #cc1e1eReady to Structure Your Next Investmentnership: LLC

Short-Term Rental

Leverage: 70% | Seasonal Coverage | DSCR Strategy

Fix & Flip

Acquisition + Rehab | Exit to DSCR

FAAS50

50% LTV | Conservative Equity Structure

Warehouse Asset

Stabilized Lease | Commercial Structure

Automotive Repair Facility

Income-Producing | Commercial Asset Review

Frequently Asked Questions About DSCR Loans

What credit score do I need for a DSCR loan?

Most lenders require a minimum credit score of 620–680, though some programs accept scores as low as 600. Higher credit scores typically unlock better rates and terms.

Can I use a DSCR loan for a property I don’t live in?

Yes. DSCR loans are designed specifically for investment properties. You don’t need to occupy the property or provide personal income documentation.

How is the Debt Service Coverage Ratio calculated?

DSCR = Monthly Rental Income ÷ Monthly Debt Obligations. A ratio of 1.0+ means the property generates enough income to cover its debt. Most lenders prefer 1.25 or higher.

What types of properties qualify?

Single-family rentals, 2–4 unit multifamily, condos, townhomes, and some short-term rentals. Mixed-use and commercial structures may qualify under certain programs.

Do I need to show tax returns or W-2s?

No. DSCR loans are income-based on the property itself, not your personal employment or tax history. This makes them ideal for self-employed investors or those with complex income structures.

How long does approval take?

Most DSCR loans close in 21–30 days. Pre-qualification can happen in 24–48 hours with a property address and basic financial overview.

Explore DSCR Loan Resources

Learn more about DSCR financing strategies, state-specific programs, and how to maximize rental income.

DSCR Loan Programs How DSCR Loans Work Investor Blog & Guides DSCR Calculator Rental Property Analysis State-Specific Programs

How DSCR Loans Help Investors Scale Portfolios

For real estate investors looking to expand beyond traditional financing, DSCR loans represent a strategic shift. Unlike conventional mortgages that focus heavily on personal income verification, DSCR loans evaluate the property’s ability to generate sufficient rental income to cover its debt obligations. This fundamental difference allows investors to scale more aggressively without being constrained by debt-to-income ratio caps or employment verification requirements.

Portfolio growth becomes exponentially easier when lenders prioritize cash flow over W-2s. Investors with multiple rental properties can qualify for additional financing based solely on each property’s performance, not their personal tax returns. This is particularly valuable for self-employed investors, business owners, or anyone with complex income structures that don’t fit traditional lending boxes.

The strategic advantage extends to property acquisition speed. Because DSCR underwriting focuses on rental income projections and property analysis rather than extensive personal financial documentation, closings can happen in 21-30 days. This speed matters in competitive markets where delays can cost investors valuable opportunities. Additionally, the ability to finance non-owner-occupied properties exclusively means investors can build portfolios in multiple states without residency restrictions.

Tax efficiency is another critical factor. Many real estate investors structure their holdings through LLCs or other entities for liability protection and tax benefits. DSCR loans accommodate entity-based ownership more readily than conventional mortgages, allowing investors to maintain their preferred legal and tax structures while accessing institutional financing. This flexibility makes DSCR financing a cornerstone tool for sophisticated investors building long-term wealth through rental real estate.

Trusted by Real Estate Investors Nationwide

$500M+

In DSCR Loans Funded

2,000+

Investment Properties Financed

15+

Years of Lending Experience

48 Hours

Average Pre-Qualification Time

Licensed & regulated | Member of National Association of Mortgage Brokers | BBB Accredited Business

Ready to Structure Your Next Investment?

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Business-purpose lending only.