DSCR Loans Built for Real Estate Investors

See if you can qualify with a fast, simple pre-qualification with no obligation.

Fast, no-obligation pre-qualification
Bank-statement programs available
Backed by self-employed lending expertise

🔒 Secure form. No obligation to proceed.

Why FlexPoint, Inc.?

Bank-Statement Options

Self-employed Expertise

Flexible Non-QM Programs

One-to-one Guidance

WHO IS THIS FOR?

Financing Solutions Specifically Designed for Savvy Real Estate Investors

Perfect for real estate investors who want a simpler, cash-flow-based way to qualify for financing.

Investors building or expanding rental property portfolios
Borrowers who prefer asset-based qualification instead of tax returns
Buyers refinancing investment properties for better terms
Entrepreneurs seeking predictable approvals and fast closings

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How Our Process Works

A simple 2-step path to see if you can get pre-qualification

Step 1

Tell us about your goals and property

Step 2

Review tailored options and next steps

START MY PRE-QUALIFICATION REQUEST

“

So glad he handled our refinance at FlexPoint. Their interest rate was fantastic and their fees were lower than other companies that I had compared. Thanks for getting it all done so smoothly.
Susan M.

“

It was a pleasure working with Justin. He helped guide me through the process and was immediately responsive to questions, even via text. Would recommend!
Christopher M

“

FlexPoint is an awesome company. I was surely blessed by getting assigned to Jordan Fletcher. Mr. Fletcher took over my VA refinance and guided me through the whole process in a very timely manner.
Chuck F.

READY TO TAKE THE NEXT STEP?

Apply for a loan today

Don’t let traditional lending rules hold you back. With FlexPoint, Inc., self-employed borrowers have a clear path to homeownership and refinancing.

Self-employed expertise
Transparent terms, fast answers
Thousands of loans funded

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Frequently Asked Questions

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is a mortgage designed for real estate investors. Instead of using personal income documentation, lenders qualify you based on the rental income the property generates compared to its housing expenses.

How is DSCR calculated?

DSCR = Gross Rental Income ÷ Total Monthly Housing Payment (PITIA).
Most lenders require a DSCR of 1.0 or higher, meaning the property generates enough income to cover the monthly payment.

Do I need tax returns or W-2s to qualify?

No. DSCR loans rely on property cash flow, not personal tax documents, making them ideal for investors and self-employed borrowers.

What types of properties qualify?

DSCR loans can be used for:

Single-family rental homes
2–4 unit properties
Condos and townhomes
Some lenders also accept short-term rentals (Airbnb/VRBO)

Can I use a DSCR loan for refinancing?

Yes. You can refinance to lower your rate, adjust terms, or pull out equity to reinvest in additional properties.

How fast can I close a DSCR loan with FlexPoint?

FlexPoint, Inc. offers fast, efficient closings, often quicker than traditional mortgage loans, thanks to streamlined documentation and investor-focused underwriting.

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