DSCR loans are built for real estate investors. The property's rent covers the payment — that's the only income that matters. No personal income docs, no tax returns, no employment history required.
No credit pull required · Takes under 3 minutes · Response within 24 hours
DSCR Programs
Whether you're buying your first rental or bundling a portfolio into one loan — we have a DSCR program built for where you are right now.
Qualify on rental income — not personal income, not tax returns. First-time investors welcome. STRs allowed.
Larger residential buildings and mixed-use properties with commercial space — qualify on cash flow.
Bundle up to 25 rental properties into one loan — one closing, one payment, one process.
The Process
Simpler than you think. Here's how we go from your first question to a closed deal.
Share the property address and expected rental income. Purchase or refinance — either works.
We divide monthly rent by the full PITIA payment. At or above 1.0 typically qualifies — and we offer a no-ratio option too.
No tax returns. No pay stubs. No employer verification. Typically just a lease or market rent appraisal and your credit profile.
Most investors get a pre-approval response within one business day — fast enough to make confident offers.
We close the loan. The property cash flows. And we'll be here for the next deal too.
Share the property address and expected rental income. Purchase or refinance — either works.
We divide monthly rent by the full PITIA payment. At or above 1.0 typically qualifies — and we offer a no-ratio option too.
No tax returns. No pay stubs. No employer verification. Typically just a lease or market rent appraisal and your credit profile.
Most investors get a pre-approval response within one business day — fast enough to make confident offers.
We close the loan. The property cash flows. And we'll be here for the next deal too.
Who This Is For
DSCR loans solve a specific problem. Here's who benefits most.
You're Scaling a Portfolio
Your personal income can't keep pace with your growth. DSCR lets each property qualify on its own cash flow.
You're Self-Employed
Write-offs tank your qualifying income on paper. DSCR doesn't care — the property's rent does the qualifying.
You're a First-Time Investor
No prior rental history required. If the deal makes sense, you can qualify — even on your very first investment property.
You Own Short-Term Rentals
Airbnb, VRBO — STR income is eligible. We work with market rent schedules and documented STR income.
You Want to Consolidate
Multiple loans across multiple properties? Cross-collateral DSCR bundles up to 25 into one — cleaner debt structure, one payment.
You're Buying Mixed-Use
Residential above retail or office? Our 5–8 unit program handles mixed-use with commercial components.
The FlexPoint Difference
Nearly 30 years and over $5 billion funded. Here's what that experience means on your next deal.
Investor Stories
Here's what investors say after working with FlexPoint on their DSCR loans.
I've closed three DSCR loans with FlexPoint and the process is the same every time — fast, clean, no drama. They qualify on the rent the property generates, not my income, which is the only way I can keep scaling. On my last deal I had a pre-approval in less than 24 hours. That speed is real, not a promise. When you're competing on offers in a hot market that kind of turnaround actually matters.
Derek M.
Real Estate Investor
Used the VA cash-out refinance to pay off $40,000 in credit card debt and still lowered my monthly payment. FlexPoint explained the 100% LTV option clearly. That conversation changed my financial situation. Professional team, straight answers, no runaround.
James H.
U.S. Military Veteran
Answer a few quick questions and we'll tell you exactly where you stand — in under 3 minutes.
What are you looking to do?
We'll tailor the questions to your situation.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions real estate investors ask us most.
Licensed & Regulated
NMLS #243082 — fully licensed and compliant across all states where we operate.
Nearly 30 Years of Experience
In business since 1996 with over $5 billion in real estate loans funded across every market cycle.
Investor-First Approach
We understand the numbers behind rental deals. Not just processors — we're partners in your growth.
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