Get Approved Nationwide
DSCR Home Loans
Unlock real estate investment opportunities with fast, nationwide DSCR loan approvals.
No Tax Returns & No Income
Docs Required!
Simplify your loan process — no need to submit tax returns or income documents.
What are you looking to do?
No Personal Income Checks
Approval depends on the property’s rental income – not your salary or tax documents.
• Quick & Easy Closings We cut the hassle. Close your loan in days, not weeks.
• Grow Without Limits
Buy, refinance, and expand your portfolio without personal debt restrictions.
Top DSCR Loan Solutions for Real Estate Investors Nationwide
Partnering with Top-Rated Lenders to Help You Build and Scale Your Real Estate Portfolio
DSCR Purchase & Cash-Out Refinance Options Short-Term Rentals, Long-Term Rentals & FiX-and-Flips
Same-Day Income & Credit Review
No Tax Returns. No W-2s. No Income Docs Needed.
Investor’s Easy Home Loans! Purchase and Cash Out!
Frequently Asked Questions
Are DSCR loan rates higher than regular home loan rates?
Yes, DSCR (Debt Service Coverage Ratio) loans usually have interest rates that are about 1-2% higher than traditional loans. But they offer big advantages for real estate investors.
With a DSCR loan, you don't need to show your personal income, you can buy properties under an LLC, and you qualify based on how much income the property makes-not your job or tax returns.
These features make it easier to grow your investment portfolio. In fact, many of our clients still see 20-30% higher returns, even with the slightly higher rate.
Let me know if you'd like it to sound more formal,
Do I need perfect credit to get a DSCR loan?
Not at all! Unlike traditional loans that often require a credit score of 740 or higher, our DSCR loans are available to borrowers with scores as low as 620.
What matters most is how well the property performs-not your personal credit history. Even if you've had some credit issues in the past, you may still qualify. We've helped many investors get approved and grow their portfolios, even without perfect credit.
Do I really need to put 20-25% down?
Do I really need to put 20-25% down?
Yes—but here's why that's actually a smart move for serious investors.
A bigger down payment means lower monthly payments, which boosts your cash flow from day one. And if the property brings in strong rental income, that extra cash each month adds up quickly.
Plus, many investors refinance after just 6 months with a cash-out option. That means they can get some or even most of their down payment back-then use it for their next investment property.
How fast can I get approved for a DSCR loan?
DSCR loans move fast-much faster than traditional mortgages. While conventional loans often drag out for 45 to 60 days, we typically close DSCR loans in just 15 to 25 days.
That speed can give you a real edge-especially in competitive markets where sellers want to close quickly. Our process is streamlined, with far less paperwork and no need for personal income verification. That means less stress for you, and more time focusing on your investment goals.
What if my property isn't rented out yet-can I still qualify?
Yes, you can! It the property doesn't have rental income yet, that's not a dealbreaker.
We simply use a market rent estimate from a licensed appraiser. This means you can qualify based on what the property should earn in rent— even if it's brand new, being renovated, or just converted to a rental.
Can I use a DSCR loan for an Airbnb or short-term rental property?
Absolutely-you can! In fact, DSCR loans are a great fit for short-term rentals like Airbno or VRBO.
While some lenders shy away from vacation rentals, we embrace them. We know these properties can generate higher income than traditional rentals, and we have loan programs specifically tailored for short-term rental investors.
We even use smart income calculations that factor in seasonal trends and local demand-so you're not penalized for quiet months. Whether it's a beach house, mountain cabin, or city condo, we can help you finance it with confidence.
Are DSCR loan rates higher than regular home loan rates?
Yes, DSCR (Debt Service Coverage Ratio) loans usually have interest rates that are about 1-2% higher than traditional loans. But they offer big advantages for real estate investors.
With a DSCR loan, you don't need to show your personal income, you can buy properties under an LLC, and you qualify based on how much income the property makes-not your job or tax returns.
These features make it easier to grow your investment portfolio. In fact, many of our clients still see 20-30% higher returns, even with the slightly higher rate.
Let me know if you'd like it to sound more formal,
Do I need perfect credit to get a DSCR loan?
Not at all! Unlike traditional loans that often require a credit score of 740 or higher, our DSCR loans are available to borrowers with scores as low as 620.
What matters most is how well the property performs-not your personal credit history. Even if you've had some credit issues in the past, you may still qualify. We've helped many investors get approved and grow their portfolios, even without perfect credit.
Do I really need to put 20-25% down?
Do I really need to put 20-25% down?
Yes—but here's why that's actually a smart move for serious investors.
A bigger down payment means lower monthly payments, which boosts your cash flow from day one. And if the property brings in strong rental income, that extra cash each month adds up quickly.
Plus, many investors refinance after just 6 months with a cash-out option. That means they can get some or even most of their down payment back-then use it for their next investment property.
How fast can I get approved for a DSCR loan?
DSCR loans move fast-much faster than traditional mortgages. While conventional loans often drag out for 45 to 60 days, we typically close DSCR loans in just 15 to 25 days.
That speed can give you a real edge-especially in competitive markets where sellers want to close quickly. Our process is streamlined, with far less paperwork and no need for personal income verification. That means less stress for you, and more time focusing on your investment goals.
What if my property isn't rented out yet-can I still qualify?
Yes, you can! It the property doesn't have rental income yet, that's not a dealbreaker.
We simply use a market rent estimate from a licensed appraiser. This means you can qualify based on what the property should earn in rent— even if it's brand new, being renovated, or just converted to a rental.
Can I use a DSCR loan for an Airbnb or short-term rental property?
Absolutely-you can! In fact, DSCR loans are a great fit for short-term rentals like Airbno or VRBO.
While some lenders shy away from vacation rentals, we embrace them. We know these properties can generate higher income than traditional rentals, and we have loan programs specifically tailored for short-term rental investors.
We even use smart income calculations that factor in seasonal trends and local demand-so you're not penalized for quiet months. Whether it's a beach house, mountain cabin, or city condo, we can help you finance it with confidence.