What is a DSCR loan and how does it work?

DSCR stands for Debt Service Coverage Ratio. It's calculated by dividing the property's monthly rental income by the proposed monthly mortgage payment (principal, interest, taxes, insurance, and HOA if applicable). A ratio of 1.0 means rent exactly covers the payment. We lend above, at, and even below 1.0 — and we offer a no-ratio option with no minimum DSCR threshold at all.

Do I need to show personal income or tax returns?

No — and this is the biggest advantage of DSCR. There's no personal income verification, no W-2s, no tax returns, and no employment history required. Qualification is based entirely on the property's income potential relative to the loan payment.

Can first-time real estate investors use a DSCR loan?

Yes. You don't need an existing rental portfolio to qualify. First-time investors are welcome on our 1–4 unit DSCR program. If the property cash flows and your credit meets the minimum, you can close.

Are short-term rentals like Airbnb or VRBO eligible?

Yes. Short-term rentals are eligible under our DSCR programs. We can use a market rent schedule from an appraisal or documented STR income to calculate the ratio. Non-warrantable condos and condotels are also allowed.

What's the difference between the 1-4 unit DSCR and the cross-collateral program?

The 1–4 unit DSCR is for individual property purchases or refinances — one loan per property, up to $3.5M. The cross-collateral DSCR bundles up to 25 properties into a single loan up to $6.25M, using the combined cash flow of the entire portfolio to qualify. It's ideal for investors who want to simplify their debt structure or unlock equity across multiple properties at once.

DSCR Investor Loans — No Tax Returns Required

Grow Your Rental Portfolio Without the Income Hassle

DSCR loans qualify on the rent the property generates — not your personal income, not your tax returns, not your employment history. If the numbers on the deal work, you can close.

No Personal Income Verification
No Tax Returns Required
Loans Up to $6.25M
STRs & Airbnb Eligible
First-Time Investors Welcome
1–4 Unit, 5–8 Unit & Mixed-Use

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No credit pull required · Response within 24 hours

DSCR Programs

3 DSCR Programs Built for Every Stage of Your Portfolio

Whether you're buying your first rental or bundling 25 properties into one loan, we have a DSCR program that fits where you are right now.

DSCR Loans — 1 to 4 Units

1–4 Unit Residential

The most common DSCR program for investors. Single-family, duplexes, triplexes, and fourplexes. Qualify on the rent — long-term or short-term — with no personal income docs at all.

Loan amounts up to $3.5M purchase / R&T, $3M cash-out
LTV up to 85% for purchase, 75% cash-out
Credit scores from 640
No ratio option — no minimum DSCR threshold required
Short-term rentals, non-warrantable condos & condotels OK
First-time investors and first-time homebuyers allowed
Highest FICO used when multiple borrowers

See If I Qualify

DSCR Loans — 5 to 8 Units & Mixed-Use

5–8 Unit / Mixed-Use

Scaling into larger residential buildings or properties with commercial space? This program handles 5–8 unit residential and 2–8 unit mixed-use — including retail, restaurant, and office.

Loan amounts up to $2M, cash-out up to $1M
LTV up to 75% purchase, 70% R&T, 65% cash-out
Commercial, restaurant & office space allowed
Qualify on full property cash flow
No personal income verification required

See If I Qualify

Cross Collateral DSCR — Up to 25 Properties

Portfolio Investors

Stop closing properties one at a time. Bundle up to 25 rental properties into a single DSCR loan up to $6.25M — one closing, one payment, one process.

Up to 25 properties combined into one loan
Loan amounts up to $6.25M
LTV up to 80% purchase / R&T, 70% cash-out
Short-term rentals allowed
Qualify on combined portfolio cash flow

See If I Qualify

The Process

How a DSCR Loan Works

It's simpler than most investors expect. Here's how we get from inquiry to closed loan.

Step 1

Identify Your Property

You bring us the deal — a purchase contract or a property you own. We need the address and expected rental income.

Step 2

We Calculate the DSCR

We divide the monthly rent by the proposed mortgage payment (PITIA). A ratio at or above 1.0 typically qualifies — and we even offer a no-ratio option.

Step 3

Minimal Documentation

No tax returns. No pay stubs. No employment verification. We typically need a lease agreement or market rent appraisal and your credit profile.

Step 4

Pre-Approval in 24 Hours

Most investors get a decision within one business day — fast enough to make competitive offers with confidence.

Step 5

Close and Cash Flow

We close your loan. The property cash flows. You move on to the next deal — and we'll be here for that one too.

Step 1

Identify Your Property

You bring us the deal — a purchase contract or a property you own. We need the address and expected rental income.

Step 2

We Calculate the DSCR

We divide the monthly rent by the proposed mortgage payment (PITIA). A ratio at or above 1.0 typically qualifies — and we even offer a no-ratio option.

Step 3

Minimal Documentation

No tax returns. No pay stubs. No employment verification. We typically need a lease agreement or market rent appraisal and your credit profile.

Step 4

Pre-Approval in 24 Hours

Most investors get a decision within one business day — fast enough to make competitive offers with confidence.

Step 5

Close and Cash Flow

We close your loan. The property cash flows. You move on to the next deal — and we'll be here for that one too.

Who This Is For

These Programs Are Built For You If…

DSCR loans solve a specific problem. Here's who benefits most.

You're Scaling a Portfolio
Your personal income can't keep up 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, or other STR income is eligible. We work with market rent schedules and STR income documentation.
You Want to Consolidate a Portfolio
Multiple small loans across properties? Cross-collateral DSCR bundles up to 25 into one — simplifying your debt structure.
You're Buying Mixed-Use
Residential units above retail or office space? Our 5–8 unit program handles mixed-use with commercial components.

The FlexPoint Difference

Why Investors Choose FlexPoint for DSCR

Nearly 30 years and over $5 billion funded. Here's what that experience means on your next deal.

$6.25M

Max Loan Amount

Cross-collateral DSCR up to $6.25M — one of the highest limits available for investor portfolios.

Properties in One Loan

Bundle up to 25 rental properties into a single cross-collateral DSCR loan.

640

Min Credit Score

DSCR programs start at 640 — accessible for investors who don't have perfect credit.

Since 1996

In Business

Nearly 30 years of investor lending experience across every market cycle.

$5B+

In Loans Funded

Over $5 billion closed. We know how to get investor deals across the finish line.

Free Consultation · No Credit Pull

Let's Run the Numbers on Your Deal

Tell us about the property. We'll tell you if it qualifies. Takes less than 60 seconds — no credit pull.

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Estimated Loan Amount$300,000

$50,000$3,500,000+

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NMLS #243082
Multi-State Licensed

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.

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