What is DSCR loan and how does it work?

DSCR stands for Debt Service Coverage Ratio — the property's monthly rental income divided by the total mortgage payment (PITIA). A 1.0 ratio means rent exactly covers the payment. We lend above, at, and even below 1.0, and offer a no-ratio option with no minimum threshold.

DO I need tax returns or a W-2?

No. That's the point. DSCR loans require no personal income verification, no W-2s, no tax returns, and no employment history. Qualification is based entirely on what the property earns relative to what it costs to service the loan.

Can first-time real estate investors qualify?

Yes. No existing rental portfolio is required. First-time investors are welcome on our 1–4 unit DSCR program. If the deal makes financial sense and your credit is 640+, you can close.

Are Airbnb and VRBO short-term rentals eligible?

Yes. STR income is eligible. We use a market rent schedule from the appraisal or documented STR income from platforms like Airbnb or VRBO to calculate the ratio. Non-warrantable condos and condotels are also allowed.

How fast is the pre-approval process?

Most investors hear back within 24 business hours. We review your scenario quickly so you're not waiting days to know where you stand — which matters a lot when you're trying to make competitive offers in a fast market.

DSCR Investor Loans — Available Now

The Loan That Doesn't Care About Your Tax Returns

DSCR loans qualify on one thing: the rent the property generates. Not your W-2. Not your write-offs. Not your employment history. Answer 8 quick questions to see if your deal qualifies.

No personal income verification — ever
Loans from $150K up to $6.25M
Short-term rentals (Airbnb / VRBO) eligible
First-time investors welcome — no portfolio required
Pre-approval response within 24 hours

$5B+Funded Since 1996

640+Min Credit Score

25Props / One Loan

24hrPre-Approval

Free · No Credit Pull · 2 Minutes

Does My Rental Deal Qualify?

Tell us about the property — we'll tell you exactly where you stand.

Step 1 of 100% Complete

What are you looking to do?

We'll tailor the questions to your situation.

SSL SecuredNo Credit PullNMLS #24308224-Hr Response

Why DSCR Wins for Investors

How DSCR Stacks Up Against Conventional Loans

If you've ever been turned down because of your tax returns or "too many write-offs," this is what you've been waiting for.

Requirement	Requirement	Conventional Loan
Tax Returns Required	✓ Not Required	✗ 2 Years Required
W-2 / Pay Stub Required	✓ Not Required	✗ Required
Qualifying Income	Property's Rental Income	Personal Income Only
Short-Term Rentals	✓ Airbnb / VRBO OK	✗ Usually Not Eligible
First-Time Investors	✓ Welcome	May require experience
Max Loan Amount	Up to $6.25M	Conforming limits apply
Portfolio / Multi-Property	✓ Up to 25 in 1 Loan	Per-property limits apply

Who This Is For

DSCR Loans Work Best When…

You have a good deal — but the traditional income docs don't tell the whole story.

You're Scaling a Portfolio
Personal income can't keep pace with your growth. Each property qualifies on its own cash flow.
You're Self-Employed
Write-offs tank your qualifying income on paper. DSCR ignores that entirely.
You're a First-Timer
No rental history required. If the deal cash flows and credit is 640+, you can close.
You Run STRs
Airbnb and VRBO income is eligible. We work with STR schedules and documented income.
You Want to Consolidate
Multiple loans across properties? Cross-collateral DSCR bundles up to 25 into one.
You're in Mixed-Use
Residential above retail or office? Our 5–8 unit program handles that too.