DSCR LoansNo income verification
Qualify based on your property's cash flow, not your personal income. Perfect for investors building wealth through real estate.
Up to $3.5M
High loan amounts
Up to 85% LTV
On purchase
80% Cash-Out
Up to $1M equity access
Cash flow over W-2s
Traditional mortgages require W-2s, tax returns, and DTI calculations. DSCR loans focus on what matters: your property's ability to generate income.
No Income Verification
No W-2s, no tax returns, no pay stubs. We qualify you based on the property's rental income, not your personal finances.
Flexible DSCR Requirements
Low or no DSCR ratio allowed. We work with your deal structure to get you the financing you need.
Scale Your Portfolio
Borrow in your LLC name, use gift funds for down payment, and finance multiple properties without hitting DTI limits.
Designed for serious investors
Flexible, powerful financing to grow your portfolio.
Up to $3.5 Million
High loan amounts for larger properties and portfolio expansion. Perfect for scaling your investments.
80% LTV Cash-Out Refinance
Access up to 80% LTV on cash-out refinance with up to $1M in equity. Fund your next deal or diversify.
Up to 85% LTV Purchase
Up to 85% LTV on purchase and rate/term refinance. Minimal down payment for acquisitions.
No Income Verification
Qualify without W-2s, tax returns, or employment verification. Property cash flow is all that matters.
Multiple Property Types
SFR, PUD, townhomes, 2-4 units, condos, and even non-warrantable condos accepted.
First-Time Investors Welcome
New to investing? No problem. We work with first-time investors ready to build wealth through real estate.
LLC & Foreign Nationals OK
Borrow in your LLC name. Foreign nationals welcome. Multiple ownership structures accepted.
Why investors choose DSCR
Financing Flexibility
- Low or no DSCR ratio allowed
- Up to 80% LTV cash-out ($1M max)
- Gift funds accepted for down payment
- Up to 6% seller concessions
- 0-6 months ownership seasoning options
- Multiple loan terms: 15-year, 30-year, ARM, I/O
Investor-Friendly Features
- Minimum 600 FICO score
- First-time investors welcome
- Foreign nationals allowed
- LLC ownership permitted
- Condos and non-warrantable condos OK
- Rates starting at 5.75%
Perfect for these scenarios
Portfolio Growth
Scale your real estate business without hitting DTI limits. Finance multiple properties simultaneously.
Self-Employed Investors
Complex tax returns making traditional loans difficult? DSCR loans ignore your personal income entirely.
Cash-Out Refinance
Pull out up to 80% LTV and $1M in equity to fund your next deal, renovate, or diversify your portfolio.
Ready to scale your portfolio?
Get pre-qualified in minutes. No income docs required. Loans up to $3.5M with up to 80% LTV cash-out.