No Income or Tax Returns Needed! Qualify on Rental Cash Flow Only | DSCR Loans for Investors

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.

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.

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

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)

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

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

Yes. Short-term rental properties are eligible in many markets, subject to appraisal and rental analysis guidelines.

Up to 85% LTV for eligible investment properties.
(LTV may vary based on property type, credit profile, and short-term rental scenarios.)

Pre-approvals are often issued within 24–48 hours after submission of required documents.
Closings typically move much faster than traditional bank loans.