DSCR Loans for Real Estate Investors
Qualify based on property cash flow—not personal income. Competitive rates, fast approvals, and financing up to $5 million.
- No tax returns required
- No employment verification
- LLC ownership allowed
- Up to 80% LTV
- Loan amounts from $100K to $5M+
- Close in as little as 21 days
What are you looking to do?
Pick the option that fits your scenario.
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Built for investors—not W-2 borrowers
Every part of the program is designed around how real estate investors actually buy and refinance properties.
No Personal Income Verification
Skip W-2s, pay stubs, and tax returns. We underwrite the property.
Rental Income Qualification
Loan eligibility is based on the property's rental cash flow.
Investment Properties Only
Built for 1–4 unit rentals, condos, townhomes, and mixed use.
LLCs Accepted
Close in your LLC, LP, or corporation—asset protection friendly.
Cash-Out Refinance
Unlock equity for the next acquisition without re-qualifying on income.
Purchase & Refinance
30-year fixed, interest-only options, and bridge-to-DSCR programs.
Three steps from inquiry to funding
Submit application
Tell us about the property and your financing goals. No credit pull required to start.
Review property cash flow
We calculate DSCR using market rent or your lease, then match you to the right lender.
Receive financing options
Side-by-side terms from competing lenders. Pick the program and close in as little as 21 days.
Flexible DSCR programs that scale with your portfolio
Single asset and portfolio structures.
Purchase, rate/term, and cash-out.
Best pricing at 720 and above. Programs available down to 600.
Including short-term rentals.
No primary residences.
Interest-only options available.
From single-family rentals to short-term portfolios
Estimate your DSCR in seconds
Check your debt service coverage ratio
Most DSCR lenders look for a ratio of 1.0–1.25. Higher ratios mean better pricing.
Formula: DSCR = Rental Income ÷ PITIA
Strong DSCR — likely eligible for best pricing.
Real stories from real investors
"Closed on my 8th rental in under 30 days without providing tax returns. The process was smoother than any conventional loan I've done."
"They actually understood my Airbnb numbers. Got a cash-out refi that funded two more properties."
"I closed in my LLC on the first try. Communication was clear and the rate was competitive."
Learn before you borrow
What is a DSCR Loan?
A plain-English explanation of how investor mortgages qualify on rent.
DSCR vs Conventional Financing
When investors should choose DSCR over Fannie/Freddie programs.
How to Calculate DSCR
Worked examples and the four mistakes investors make on PITIA.
Financing Short-Term Rentals
Lender-friendly ways to use Airbnb and VRBO income to qualify.
Common questions about DSCR loans
Ready to grow your rental portfolio?
Get matched with DSCR loan options today. A specialist will reach out within one business hour.
- Soft credit pull only
- No obligation
- Side-by-side lender quotes
What are you looking to do?
Pick the option that fits your scenario.
By submitting this form, you agree to our Privacy Policy and Terms, and provide your express written consent for MyDSCRLoan.biz, its affiliates, and lending partners to contact you at the phone number and email provided — including via auto-dialer, pre-recorded/artificial voice, SMS/MMS, ringless voicemail, and email — about DSCR loan options, even if your number is on a federal, state, or corporate Do-Not-Call list. Consent is not a condition of any purchase. Msg & data rates may apply. Reply STOP to opt out. Revoke any time at optout@mydscrloan.biz.