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DSCR Loans

Rental Property Loans Without Income Docs

DSCR loans qualify off the property’s rental cash flow — not your tax returns. Build your rental portfolio without W-2 or income verification headaches.

Program Overview

Our DSCR (Debt Service Coverage Ratio) loan program is built for rental property investors who want to scale without the burden of traditional income documentation. Qualification is based on the property’s rental income covering the mortgage payment — making it ideal for self-employed investors, full-time landlords, and portfolio builders.

With long-term fixed-rate options, no personal income verification, and competitive rates, DSCR loans provide a clean, scalable financing solution for your rental investments.

Key Benefits

Why investors choose this program

1

No Income Verification

Qualify based on rental income, not personal tax returns.

2

30-Year Fixed Rates

Long-term predictable payments for buy-and-hold investors.

3

Up to 80% LTV

Competitive leverage for purchase or refinance.

4

Unlimited Properties

No cap on the number of financed rentals.

5

Vesting in LLC

Hold title in your business entity for asset protection.

6

Cash-Out Refinance

Pull equity from existing rentals to fund new deals.

7

Short-Term Rentals OK

Airbnb and VRBO income can qualify.

8

Single-Family & Multi-Family

1–4 unit residential and small multi-family eligible.

9

International Investors Welcome

Programs available for non-Canadian investors.

10

Fast Closings

Close in as little as 21 days.

Loan Requirements

What you need to qualify

Minimum DSCR of 1.0 (some programs allow lower)

Minimum credit score of 660

Property appraisal with rental schedule (1007)

Lease agreement(s) or market rent analysis

LLC or other business entity preferred

Insurance with adequate coverage

20% minimum down payment

Liquid reserves (typically 6 months PITI)

Calculate Your Deal

DSCR Calculator

Estimate the Debt Service Coverage Ratio for your rental property.

DSCR Ratio
Status

For estimation purposes only. Contact us for exact terms.

Frequently Asked Questions

What is DSCR?

Debt Service Coverage Ratio measures how much a property’s rental income covers the mortgage payment. A DSCR of 1.25 means the rent is 1.25x the monthly payment.

What is the minimum DSCR required?

Most programs require a 1.0 DSCR or higher, though some allow lower with offsetting strengths.

Do you check personal income?

No. DSCR loans qualify off the property’s rental cash flow — no W-2s, tax returns, or pay stubs required.

Can I use short-term rental income?

Yes. Documented Airbnb / VRBO income can be used to qualify on many of our DSCR programs.

Can I close in an LLC?

Yes. We strongly encourage holding title in an LLC for asset protection and clean accounting.

Ready to Fund Your Next Deal?

Get pre-qualified in minutes. Our team responds within 24 hours.