DSCR (Debt Service Coverage Ratio) loans qualify you on what the property earns — not what's on your tax return. The rent covers the mortgage; you get the loan.
The cleanest path for portfolio builders, self-employed investors, and anyone who'd rather not justify their AGI to an underwriter every six months.
Typical DSCR terms — final pricing depends on DSCR ratio, LTV, and credit.
No W-2s, no tax returns, no DTI gymnastics. Qualification runs on the asset.
No limit on the number of DSCR loans you carry. Build a portfolio without hitting Fannie's cap.
Title the asset in your entity. Keeps personal credit clean and structure organized.
We finance qualified foreign-national investors with no US credit history required.
Soft-pull rate estimate based on DSCR and LTV.
Upload property info and entity docs.
Underwriting confirms cash flow and orders appraisal.
Close in your LLC. Typically 21–28 days.
Soft credit pull. Two-minute estimate. NMLS #11252078.