DSCR Loans – Simplified Mortgage Solutions for Real Estate Investors

• ✅ No income verification or employment required
   
• ✅ No tax returns or W-2s
   
• ✅ Close in an LLC or personal name
   
• ✅ Great for Airbnb, VRBO, long-term rentals & multifamily
   
• ✅ Unlimited property count (portfolio-friendly)
   
• ✅ Lower documentation = faster closings
   

• Real estate investors with multiple properties
   
• Self-employed borrowers or entrepreneurs
   
• Borrowers with high write-offs on taxes
   
• Clients who want to close in an LLC or business name
   
• First-time investors who have a strong rental deal
   

• 🏘️ Single-family rentals
   
• 🏢 2–4 unit properties
   
• 🏬 Mixed-use properties (case-by-case)
   
• 🛏️ Short-term rentals (Airbnb, VRBO)
   
• 🏗️ Fix & Flip exit financing or BRRRR deals
   

What credit score is required?
Most programs start at 620, but 680+ scores get better terms.

What DSCR ratio is needed to qualify?
We can often qualify deals with a DSCR of 1.0 or higher. Some programs allow <1.0 with higher down payment or reserves.

Can I use a DSCR loan to refinance?
Yes! Many investors use DSCR for cash-out refinances or to refinance from hard money loans.

Can I qualify if I have 10+ properties?
Absolutely—DSCR loans are investor-friendly and work great for large portfolios

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Whether it’s your first rental or your fiftieth, we’ll help you get the funding you need to build generational wealth—without the paperwork headaches.