Modern architectural building
Investor-Grade Financing

Qualify on Cash Flow.
Not Tax Returns.

Scale your portfolio with DSCR loans that look at the property's income, not your personal W-2. No income verification. No DTI headaches. Just deals.

1.10x
Min DSCR
640
Min FICO
20%
Down Payment

Built for the BRRRR Method & Buy-and-Hold.

Traditional lenders get stuck on your personal DTI. We look at the asset. If the property cash flows, the deal flows.

No Income Verification

Forget tax returns and W-2s. We qualify the loan based on the property's ability to pay for itself.

Unlimited Properties

Hit the Fannie Mae limit? DSCR loans have no cap on the number of financed properties in your portfolio.

LLC Closing Available

Protect your personal assets. Close directly in your LLC or corporate entity name for liability protection.

DSCR vs. Traditional Mortgage

See why savvy investors choose DSCR loans for their rental properties

Compare Your Scenario

Loan Amount: $225,000

$75,000
15%40%
RECOMMENDED
DSCR Loan

Asset-Based Financing

Monthly Payment
$1,497
Rate: 7.00% • 30-year fixed

Qualification Requirements

No income verification
W-2s, tax returns, or pay stubs not required
No DTI calculation
Your personal debt doesn't matter
Property cash flow only
Qualifies based on rental income
Unlimited properties
No 10-property Fannie Mae cap
Fast closing
15-30 days typical
Credit Score 680Qualifies
Traditional Mortgage

Income-Based Financing

Monthly Payment
$1,349
Rate: 6.00% • 30-year fixed
Saves $148/month

Qualification Requirements

Full income verification
2 years tax returns, W-2s, pay stubs
Strict DTI limits
Usually 43% max, includes all debt
Personal income required
Must prove stable employment
10-property limit
Fannie Mae caps conventional loans
Slower process
30-45 days typical
Credit Score 680May Qualify
DSCR loans let you scale faster without personal income limits

Understanding DSCR Loans

See how simple it is to qualify based on your property's cash flow, not your personal income

How DSCR Loans Work - Step by step process showing property income, DSCR calculation, qualification, and funding

Ready to see if your property qualifies?

Start Your Application →
Investors analyzing deal

The Mechanics of the Deal

We've stripped away the corporate red tape. Here's how we get you to the closing table faster.

01

Submit Property Details

Tell us about the address, estimated rent, and purchase price. No credit pull required for the initial look.

02

Get Your DSCR Score

We calculate the Debt Service Coverage Ratio. If it's > 1.10, you're in the green zone for our best rates.

03

Close & Scale

Underwriting focuses on the appraisal and title. We fund, you get the keys and start collecting rent.

From Single Doors to
Multi-Unit Empires.

Whether it's a short-term rental in a vacation market or a 4-plex in the city, our capital stack is diverse enough to handle it.

  • Single Family
  • 2-4 Units
  • Condos
  • Short-Term Rentals
  • Townhomes
  • PUDs
Diverse property portfolio

Investor FAQs

Straight answers. No banker jargon.

Ready to scale your portfolio?

Get a term sheet in minutes. No hard credit pull to see your options.