DSCR Loans Built
for Investors
- Up To 80% LTV
- Minimum Loan Amount 100k
- Single Family And Multifamily Properties Up To 10 Units
- Purchase, Refinance, Cash Out
- Long & Short Term Rentals
- 30 Year Fixed, Interest Only Options Available
- No minimum DSCR
- Qualify Based On Property Income
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
Trusted by professionals across the industry
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.
*PITIA: Principle, Interest, Taxes, Insurance, HOA if applicable
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.
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.”
Frequently Asked Questions
Ready to Invest?
Get a quote today and take the next step in building your real estate portfolio.