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What is a DSCR loan?

DSCR (Debt Service Coverage Ratio) loans allow investors to qualify based on a property's rental income rather than personal income. These programs are designed for scalability, allowing investors to acquire and refinance properties without traditional income documentation.

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Licensed In ME,VT, NH, MA, CT*, RI, NY*, NJ, PA, DE, VA, DC, NC, SC, GA, FL

*Commercial & Investor Loans

Key Advantages

No Personal Income Verification

Qualification is based on property cash flow—not tax returns or W-2s.

No Personal Income Verification

Qualification is based on property cash flow—not tax returns or W-2s.

Scale Your Portfolio

Designed for investors acquiring multiple properties over time.

Scale Your Portfolio

Designed for investors acquiring multiple properties over time.

Flexible Property Types

Works for long-term rentals, short-term rentals, and mixed-use scenarios.

Flexible Property Types

Works for long-term rentals, short-term rentals, and mixed-use scenarios.

Where DSCR works best

Financing options for buyers, homeowners, and investors

Long-term rental properties

Short-term rentals (Airbnb / STR)

Portfolio expansion

Cash-out refinances

LLC ownership structures

Why work with us on DSCR loans

Most lenders offer one version of a DSCR loan. We structure options across multiple lenders—allowing for flexibility in DSCR ratios, property types, and borrower scenarios.

Investor with 3 properties expanding to 5

Structured across DSCR programs without income documentation.

Investor with 3 properties expanding to 5

Structured across DSCR programs without income documentation.

Short-term rental purchase

Qualified using projected rental income.

Short-term rental purchase

Qualified using projected rental income.

Cash-out refinance on rental portfolio

Access equity without impacting personal income profile.

What is a DSCR loan?

Key Advantages

Where DSCR works best

Long-term rental properties

Short-term rentals (Airbnb / STR)

Portfolio expansion

Cash-out refinances

LLC ownership structures

Why work with us on DSCR loans

Most lenders offer one version of a DSCR loan. We structure options across multiple lenders—allowing for flexibility in DSCR ratios, property types, and borrower scenarios.

How it works

1. Submit your scenario

2. We structure your options across lenders

3. We Submit & Close Your Loan

Have a deal to structure?

Send over the details and we'll map out your options.