DSCR Loans

DSCR Loans — Qualify Using the Property's Rental Income

For real estate investors who want to buy rental properties without showing personal income. The property's rental income is what qualifies you — no W-2s or tax returns needed.

Who It Helps: Real estate investors, self-employed borrowers, retirees with assets but limited taxable income, and anyone expanding a rental portfolio.

Benefits

• No income verification required — no W-2s, pay stubs, or tax returns needed
• Fast closings — often 21 to 30 days
• No limit on number of properties you can finance
• Flexible credit guidelines — past credit events often acceptable
• Available for purchases and cash-out refinances
• Competitive rates compared to other non-QM products