The rent qualifies — not your W-2.
Price My Rental
about 55 seconds left60 seconds · no hard credit pull · never sold
What type of property is this?*
A DSCR loan is sized on one ratio: does the rent cover the payment? No tax returns, no income or employment verification. It works for a refinance or new financing, and it's how investors scale past the conventional property ceiling.
- DSCR rates from 6.375% — sample pricing
- No tax returns — no income or employment verification
- $75,000 to $3,000,000
- Lending in 47 states — everywhere except SD, ND, and VT
- 20% down on purchases
- No title seasoning on cash-out of $100K+ — today's appraised value
- No minimum FICO — LTV is capped by credit tier
- Personal name or LLC — no cap on properties
- DSCR HELOC or second mortgage — up to 75% combined LTV
- 1031 and reverse-1031 friendly
- Buy-and-hold investors
- BRRRR right after rehab
- Portfolio scaling
- LLC purchases
Built to do what conventional financing can't.
No personal income docs
No pay stubs, W-2s, tax returns, or debt-to-income ratio. Qualification rests on the property's rent covering its payment.
Close in an LLC
Title and finance the property in your business entity, or in your personal name.
No property-count cap
Conventional financing tops out around ten mortgages. DSCR doesn't — finance as many doors as the numbers support.
Priced on the ratio
A DSCR of 1.0 or better opens the widest options and 1.25 or better typically earns the best pricing. Under 1.0 can still work at a lower LTV.
Sound like your situation? Answer a few questions and I'll show you what you qualify for — about 60 seconds, no hard credit pull.
Check my options →Does this deal cover its debt?
DSCR calculator
DSCR is gross monthly rent divided by the full monthly payment (PITIA).
DSCR — 30-year fixed
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Enter your numbers.
An estimate is a start. Tell me about the property and I'll come back with real options for it.
Check my options →DSCR at a glance.
- Loan amount
- $75,000 – $3,000,000
- Property
- Investment only; 1–4 units; rural up to 40 acres on some programs
- Purchase
- 20% minimum down (80% LTV)
- Cash-out, no seasoning
- Up to 75% LTV on the current appraised value
- Rate-and-term
- Up to 80% LTV
- Long-term rental, 1 year on title
- Cash-out up to 80% LTV
- Title seasoning
- None on cash-out of $100K+; 6 months under $100K or on a land-contract refinance
- Credit
- No minimum FICO; below 620 is capped at 50% LTV
- Structures
- 30-year fixed, or 10-year interest-only
- DSCR second lien
- DSCR HELOC or closed-end second, up to 75% combined LTV
DSCR is gross monthly rent divided by the full monthly payment (PITIA). Available in 47 states: everywhere except South Dakota, North Dakota, and Vermont. Probate and inheritance buyouts: up to 75% LTV cash-out or 80% LTV purchase.
- Rent that covers the payment
- A refinance or new financing on a 1–4 unit rental
- Any credit, with LTV tiered to it
- A BRRRR that needs a no-seasoning cash-out
- Investment properties only
- No tax returns, DTI, or employment checks
- No limit on the number of financed properties
- When comparing lenders, look at prepayment, seasoning, and reserve terms — not just the rate
DSCR HELOC and DSCR second mortgage.
Tap a rental's equity without touching its first mortgage or your tax returns. Both qualify on the rent and go up to 75% combined loan-to-value.
DSCR HELOC
- A revolving line behind the first mortgage
- Suits staged rehab, standby reserves, or acquisition funds
- 1–4 unit investment properties, personal name or LLC
DSCR second mortgage
- A closed-end, lump-sum second with a fixed structure
- Suits a specific payoff, one project, or a down payment
- To start: ID, mortgage statement, insurance, and the lease or a market-rent estimate
Good to know.
What is a DSCR loan?+
A loan for investment properties of one to four units that qualifies on the property's rent rather than your income, in your personal name or an LLC.
What DSCR do I need to qualify?+
1.0 or better opens the widest options. Lower can work with compensating factors such as a lower LTV or a larger down payment.
What down payment is required?+
20% minimum on a purchase (80% LTV), on loan amounts from $75,000 to $3,000,000.
What credit score do I need?+
There's no hard minimum. Below 620, the loan is capped at 50% LTV; higher tiers unlock more.
Can I cash out right after buying or rehabbing?+
Yes. On cash-out of $100,000 or more there's no title seasoning, and the loan is sized on the current appraised value: up to 75% LTV cash-out, 80% rate-and-term. Under $100,000, six months of seasoning applies.
Can I use a 1031 exchange?+
Yes, including a reverse 1031.
Can I refinance out of a land contract?+
Yes, with six months of seasoning.
DSCR second lien or DSCR cash-out refinance?+
It depends on your existing first-mortgage rate. If it's low, a second lien leaves it alone and only the new money is at today's pricing. If it isn't, one cash-out loan is simpler.
Still have a question about your own scenario? Start here and I'll answer it with your numbers in front of me.
Check my options →Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.