Grow your portfolio.
Your personal income isn't the limit.
DSCR (Debt Service Coverage Ratio) loans qualify you on the rental income of the property — not your W-2 or tax return. No income documentation required. LLCs accepted.
How DSCR loans work
A DSCR loan looks at the property, not your personal finances. The lender calculates the Debt Service Coverage Ratio — the monthly rental income divided by the total monthly mortgage payment.
A DSCR of 1.0 means rental income exactly covers the mortgage. A DSCR of 1.25 means the property generates 25% more income than the monthly payment. Most programs require a DSCR of 1.0 or better.
No W-2s, no tax returns, no personal income documentation required. This is why DSCR loans are the preferred financing tool for real estate investors who want to scale.
Example: Single-Family Rental
Program details
Ready to add to your portfolio?
Tell us about the property and we'll run a DSCR calculation and show you your financing options — no cost, no obligation.