Grow the portfolio. Leave your tax returns out of it.
DSCR loans qualify on the property's rental income instead of your personal income, so your W-2, tax returns and day job never enter the file. Buy, refinance or cash out, and close in an LLC, corporation or living trust.
Is this your situation?
- Investors buying their first rental or their fifteenth
- Owners refinancing or cashing out equity from an existing rental
- Self-employed investors who do not want personal income in the file
- Short-term rental hosts with strong booking history
- Investors who hold title in an LLC or corporation
What this program offers
- Qualify on the property rental income, not your personal income
- No personal income verification, no tax returns, no W-2s
- Purchase, rate-and-term refinance and cash-out available
- Long-term leases and short-term rental income both usable
- Close in an LLC, corporation or living trust
- No limit from a day job debt-to-income calculation
- Repeat-investor friendly: your file is largely reusable on the next deal
- Appraisal with rent schedule coordinated for you, tenants handled with proper notice
Four steps, no mystery
Talk
A 15-minute call about your goals and timeline. No documents needed yet.
Pre-Approve
We shop your scenario across wholesale lenders and issue your letter or review.
Lock and Process
We lock your rate at the right moment and manage every document and deadline.
Close
You sign, we fund. On time, with no surprises at the table.
Answered in plain English
What is DSCR and how is it calculated?
DSCR stands for debt service coverage ratio: the property monthly rent divided by its monthly housing payment (principal, interest, taxes, insurance and any HOA). A ratio at or above 1.0 means the rent covers the payment. Some programs allow ratios below 1.0 with adjusted terms.
What do lenders look at instead of my income?
The property and your profile as an investor: the rent schedule from the appraisal or your leases, your credit, the down payment or equity, and liquid reserves. Your personal income and employment are simply not part of the file.
How much do I need down, and what are reserves?
Investor programs typically want a meaningful down payment, commonly in the 20% to 25% range depending on the scenario, plus reserves: a few months of the property payment in liquid funds after closing. We map the exact numbers to your deal on the first call.
Can I close in my LLC?
Yes, closing in an LLC or corporation is standard on DSCR loans, and living trusts work too. We confirm the signer and vesting details early so nothing surprises you at the closing table.
Do short-term rentals like Airbnb count?
Yes. Several programs use short-term rental history or a short-term rent analysis instead of a long-term lease. Booking history helps, so have it handy.
Does a DSCR loan show up on my personal credit?
The loan is underwritten to the property, but most DSCR lenders still check your personal credit and many report the loan. What DSCR removes is the personal income and employment verification, not the credit review.
How fast can a DSCR loan close?
Often faster than a conventional loan because there is no employment or income verification. With a cooperative appraisal schedule, three to four weeks is a realistic target on a clean file.
Have a property in mind, or one to cash out?
Bring the address and the rents. We run the numbers on the property, not on your paycheck.
Run My Numbers