DSCR Home Loans

What is a DSCR Home Loan?

DSCR loans are the workhorse of modern real estate investing. By qualifying on the property's cash flow instead of your personal income, they sidestep every problem self-employed investors face with conventional lenders.

The math is simple: monthly rent ÷ monthly PITI must equal 1.0 or higher. If the property cash-flows, the loan is approvable.

Your Company funds DSCR loans for single-family rentals, small multifamily, and short-term rentals. We close in LLCs, allow flexible reserves, and have programs for borrowers with 5+ financed properties.

A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on the rental property's cash flow — not your W-2 or tax returns. Perfect for serious real estate investors.

Who qualifies for a DSCR Home Loan?

This program is built for borrowers who match the criteria below. Not sure where you stand? Send us a quick message and we'll confirm in minutes.

• Investors with strong rental cash flow but complex tax returns
• LLC borrowers
• Investors beyond Fannie/Freddie property caps
• Short-term rental (Airbnb) investors

Advantages of DSCR Home Loans

• No Personal Income Docs — No tax returns, no W-2s, no pay stubs — qualify on property cash flow.
• LLC Vesting — Close in your business name with simple personal guarantee.
• No Limit on Properties — Scale your portfolio without conventional caps.
• Cash-Out Up to 75% — Pull cash from rental equity to fund the next acquisition.

How the process works

1. DSCR Calc — We confirm property rent ÷ PITI ≥ 1.0.
2. Apply — Focus on credit and property — minimal personal docs.
3. Appraise & Rent Schedule — Appraiser confirms market rent for the property.
4. Close — Typical 25–30 days; LLC closings welcome.