DSCR Loans for Real Estate Investors
Finance rental properties based on cash flow — not personal income.
Business-purpose DSCR loans for real estate investors nationwide. Fast scenario review.
• Long-term and short-term rentals (where permitted)
• LLC and entity-friendly options
• Investor-focused underwriting
• Clear process and responsive communication
Response within 1 business hour.
Built for Real Estate Investors — Not Traditional Borrowers
We focus exclusively on DSCR and business-purpose rental loans, helping investors qualify based on property performance rather than personal income. Our process is designed to be clear, responsive, and aligned with how investors actually scale portfolios.
No Income Verification Required
💰 Qualify based on property cash flow — not personal tax returns, W-2s, or pay stubs. DSCR loans are designed for investors, not salaried employees.
Business-purpose loans only
Investor-Focused Mortgage Brokerage
💼 We specialize exclusively in DSCR and business-purpose lending, helping real estate investors scale portfolios with lender programs built for rentals.
DSCR specialists since 2019
Fast, Flexible Approvals
⚡ Streamlined underwriting, fewer documents, and investor-friendly guidelines allow for faster approvals and repeatable financing as your portfolio grows.
Close in 21-30 days
Long-Term & Short-Term Rentals
🏡 Finance traditional long-term rentals as well as short-term rentals, including Airbnb and vacation properties, using market-supported income.
Airbnb-approved lenders
Frequently Asked Questions
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on rental income compared to property debt obligations, rather than personal income.
Many DSCR programs start around a 1.0 ratio, with stronger terms available for higher DSCR scenarios. Exact requirements vary by lender and program.
DSCR loans are typically underwritten using property income, not personal income documentation.
Many DSCR programs allow entity borrowing, including LLCs, subject to lender guidelines.
Some programs allow short-term rental properties where permitted, depending on location and income documentation.
No. DSCR loans are for business-purpose investment properties only.
Get DSCR Pre-Approval
Calculate Your DSCR in Seconds
See whether your rental property may qualify for DSCR financing — based on cash flow, not personal income.
Estimate — actual rates vary
Estimates only. Final loan terms subject to underwriting, appraisal, and program guidelines. Business-purpose investment properties only.