DSCR Loans For Investors
Get Financing Based on Property Cash Flow — Not Your Personal Income
DSCR (Debt Service Coverage Ratio) loans let real estate investors qualify for financing using the income the property generates — perfect if you want to grow your portfolio without jumping through personal income hoops.
What is a DSCR loan?
A DSCR loan is a type of investment property loan where approval is based on the property’s cash flow relative to the debt payments, rather than your personal income or credit score.
Simply put, if the property earns enough rent to cover the mortgage and expenses, you qualify.
Why use a DSCR loan?
No personal income verification needed
— ideal for self-employed or investors with complex finances.
Build your portfolio faster using rental income as proof of ability to pay.
Flexible terms and competitive rates designed for investors.
Nationwide availability — fund properties across the US.
How DSCR Loans Work For Investors
Submit your property info and lease agreements showing rental income.
Our team reviews your property’s cash flow and loan eligibility.
Once approved, receive funds to purchase or refinance your investment property.
Manage your rental property and build equity over time.
What we need from you
Property details and purchase contract
Current lease agreements or rent rolls
Financial statements related to the property
Proof of property management or experience may be requested
Who is this for?
Real estate investors focused on rental properties
Buyers wanting to grow portfolios without relying on personal income
Investors seeking flexible, cash-flow-based financing
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