DSCR Loans Built for Investors
Unlock your investment potential with our streamlined loan portfolio. No income verification required — qualify based on your property's cash flow.
What are DSCR / Investment Loans?
Debt Service Coverage Ratio (DSCR) loans are specifically designed for real estate investors, focusing on the property's ability to generate income rather than the borrower's personal income. This makes them an ideal solution for investors looking to expand their portfolio without the traditional income verification process.
How DSCR is Calculated
The debt service coverage ratio is calculated by taking the expected rental payment and dividing it by the annual mortgage debt. The formula is: Rent Divided by PITIA (RDP).
Key Benefits
Why investors choose DSCR loans to build their real estate portfolio
Property-Based Qualification
Loans based on property's income potential, not your personal income. The property qualifies itself.
Fast Processing
Streamlined approval process for quick closings. Get same-day income approval on your investment.
Scale Your Portfolio
No limit on the number of properties. Grow your investment portfolio without traditional lending barriers.
Your Path to Funding
A streamlined process built for speed and simplicity
Apply Online
Submit your loan application with basic property and borrower details. No income documentation needed.
Property Review
We assess the property's rental income potential and calculate the DSCR to determine qualification.
Same-Day Approval
Receive an approval letter within 24 hours so you can make an offer with confidence.
Underwriting
Our team customizes your terms with competitive rates that match your investment strategy.
Clear to Close
Finalize your loan and receive funding quickly so you can secure your investment property.
Stop dreaming & start scaling.
Apply in under a minute
Mortgage Calculator
Estimate your monthly payment to plan your next investment
Loan Details
This calculator provides estimates only. Actual rates and terms may vary. Contact us for a personalized quote tailored to your investment.
Current Market Sentiment &
DSCR Scenario Builder
See how the projected 2026 interest rate environment affects your DSCR eligibility and purchasing power for different asset classes.
Select Asset Class
Multi-Family Units Outlook
Steady rate environment projected for 2026 makes 2-4 unit properties a strong play for long-term DSCR stability.
Expected 2026 Rate
6.25% - 6.75%
Rent Growth Projections
+3.5% Annually
DSCR Eligibility
Easier to qualify with stabilizing rates.
Analyst Insight for 2026
While 2024–2025 saw volatility, 2026 projections indicate rate stabilization. This lower volatility improves cash-flow predictability for multi-family assets, making it easier to hit the standard 1.1x - 1.2x DSCR requirement even on lower-yield properties.
Updated March, 2026
Trusted by Investors
From first-time investors to seasoned portfolio builders, clients use our capital to move quickly on the right opportunities — and come back for their next deal.
“It was great working with Rich, he was very communicative throughout my buying process and was available whenever I had any questions or concerns. When other lenders were unsure about getting my loan closed, Rich was confident he could make it happen and he did. I would definitely be doing business with him again.”
“The underwriting process was seamless. No income docs, no drama — just asset-based common sense. They saved a deal that was about to fall through with another lender. I've funded six projects through them.”
Trusted by professionals across the industry
Recent Deals We've Funded
Real examples of how investors are using our capital to move faster on DSCR. These are illustrative, not rate guarantees.
12-Unit Portfolio Refinance
Tampa, FL
Investor pulled out trapped equity across 12 doors to redeploy into two new properties — without income docs or tax returns.
SFR Long-Term Rental
Columbus, OH
Investor used the projected cash flow from the property to purchase a single-family residence.
SFR Short-Term Rental
Asheville, NC
Investor used the current cash flow from the property to purchase a short-term rental generating a high cash flow each month.
Frequently Asked Questions
Ready to Invest?
Get pre-approved today and take the next step in building your real estate portfolio.