Long-term rental financing based entirely on the property's cash flow. No income docs. No personal tax returns. Just the numbers on the deal.
Provide the property address, estimated rent, and purchase price. No personal income documents needed upfront.
We calculate Gross Rent ÷ PITIA (principal, interest, taxes, insurance, HOA). A ratio ≥ 1.10x typically qualifies.
Receive your rate, LTV, and terms. No surprises — straightforward pricing based on property performance.
Close in as little as 2–3 weeks. Build long-term rental wealth with a 30-year fixed mortgage and no income re-qualification.
DSCR stands for Debt Service Coverage Ratio. Instead of qualifying based on your personal income, the loan is underwritten using the property's rental income vs. the mortgage payment. A DSCR of 1.0x means the rent exactly covers the mortgage. We prefer 1.10x or higher.
No. DSCR loans require no W-2s, no tax returns, and no personal income documentation. This makes them ideal for self-employed investors and those with complex income structures.
Single-family residences, 2-4 unit properties, and condos currently rented or market-rent-ready. The property must be non-owner-occupied.
Yes. For vacant properties, we use a market rent appraisal to determine qualifying rent income. The property must be in rentable condition.
Most DSCR programs require a minimum 620 credit score. Better rates and terms are available with scores above 680 or 720.
Submit your rental property details and receive a term sheet within 72 hours.
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