DSCR Loans for Real Estate Investors Who Move Fast
DSCR loans for real estate investors offer financing structured around asset performance — not personal income.
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 | Ownership: 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.
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.
Built for Serious Real Estate Investors
FAAS Funding structures asset-based capital for investors who prioritize execution over paperwork.
Nationwide DSCR Lending
Structured programs across all 50 states for 1–4 unit and STR investors.
Asset-Based Underwriting
Qualification built around property performance — not personal income or W-2s.
LLC & Entity Friendly
Finance investment properties directly through your entity structure.
Dedicated Capital Desk
Direct access to a structured capital team that understands investor timelines.
Ready to Structure Your Next Investment?
Business-purpose lending only.