DSCR Loan Program
Qualify on your property's cash flow, not your paycheck.
No tax returns. No W-2s. No income verification. If the rental income covers the mortgage, you qualify — that's the entire underwriting model.
- Close in as little as 14 days
- Unlimited properties financed
Live DSCR Calculator
Enter your numbers — see if this loan fits.
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Debt Service Coverage Ratio
Enter both numbers to calculate
01
No personal income docs
Skip the tax returns and pay stubs entirely — underwriting is based on the subject property's rent versus its debt.
02
Built for investors
Finance single-family rentals, short-term rentals, or small multifamily — even if you already own several other properties.
03
Ratios below 1.0 still work
Many programs still qualify properties with a DSCR under 1.0 with a slightly larger down payment or reserve requirement.
Step 1 of 3
What's this property for?
This tells us which DSCR guidelines apply.