Buying an Investment Property? Qualify on the Rent, Not Your Income.
DSCR loans may qualify you based on the property's cash flow — no tax returns or personal income docs. Built for investors who care about rental income, not W-2s.
No obligation • Soft inquiry only • Takes ~60 seconds
Free Investor Loan Scenario Review
Check your scenario in 60 seconds.
No tax returns needed to get started.
3 Ways Investors Finance Properties
Programs built around the property's cash flow.
DSCR Rental Loans
Qualify based on the property's debt-service coverage ratio — the rent covers the mortgage, so you qualify.
- DSCR as low as 1.0
- Up to 80% LTV
- 1–4 units & condos
No-Income-Doc Investor
Finance properties without tax returns, W-2s, or employment verification. Built for full-time investors.
- No tax returns
- No DTI calculation
- Fast underwriting
Asset-Based & Portfolio
Use liquid assets to qualify or bundle multiple rentals into a single portfolio loan.
- Blanket / portfolio loans
- Cash-out refinance
- Scale your portfolio
Investor FAQ
Straight answers.
What is a DSCR loan?
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on whether the property's rental income covers its mortgage payment — not your personal income. DSCR = monthly rent ÷ monthly debt payment. A ratio of 1.0+ generally means the property pays for itself.
Can rental income help qualify for the loan?
Yes. With a DSCR loan the projected or actual rental income is the primary qualifier. If the rent meets or exceeds the mortgage payment, you can typically qualify — even with no W-2 or tax-return income.
How do investors finance properties without traditional income documentation?
Programs like DSCR, no-income-doc, and asset-based loans skip tax returns, pay stubs, and employment verification. Underwriting focuses on the property's cash flow, your credit, and your down payment instead.
DSCR vs conventional investor loans — what's the difference?
Conventional investor loans cap how many properties you can finance and require full income documentation and DTI limits. DSCR loans have no personal DTI cap, allow LLC vesting, and let you scale to many properties as long as each one cash-flows.
Do you pull my credit for the scenario review?
No. The free Investor Loan Scenario Review is a soft inquiry only and won't affect your credit score.
Let's see what your next rental can qualify for.
Free, no-obligation Investor Loan Scenario Review with a senior loan officer. We'll tell you exactly where the property stands — usually within 24 hours.