DSCR Investment Property Loans For Real Estate Investors

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Forget W2's or Tax Returns

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No Income Verification

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Purchase, Rate & Term, or Cash Out

Your Top DSCR Lender Pick for 2025

Nexus Capital Fund

Top Rated Private Mortgage Lender

  • DSCR Purchase, Rate & Term, and Cash Out

  • No Minimum Seasoning Requirements

  • Credit Sponsoring Allowed

  • Long/Mid/Short-Term Rentals + Section 8

  • SFHs to Portfolios, We Can Lend!

What are DSCR Investor loans?

DSCR loans, or Debt Service Coverage Ratio loans, are designed for real estate investors who may not meet traditional income documentation requirements. These loans allow borrowers to qualify based on the cash flow generated by the property rather than personal income. DSCR lenders typically do not require tax returns or W-2s. Instead, they focus on the rental income and expenses of the investment property, making them ideal for self-employed individuals, 1099 contractors, real estate investors, retirees, and foreign nationals.

Who is Eligible for a DSCR Loan Approval?

  • Self-Employed Individuals

  • 1099 Independent Contractors

  • Business Owners

  • W-2 Employees with other income sources

  • Real Estate Investors

  • Retired Borrowers

  • Foreign Nationals

  • Borrowers with significant liquid assets

What are the Advantages of a DSCR Loan?

DSCR loans are specifically designed for real estate investors, offering flexible and practical financing options. These loans focus on the income generated by the property rather than the borrower's personal income, providing significant benefits for a variety of borrowers.

Low Documentation Requirements

DSCR loans do not require tax returns or W-2s, making them ideal for self-employed individuals, 1099 contractors, business owners, and investors with alternative income sources.

Investor-Friendly Terms

These loans are tailored for real estate investors, including those purchasing or refinancing investment properties, short term rentals, long term rentals, and commercial properties. The focus on property cash flow rather than personal income simplifies the approval process.

Access to Financing for a Wide Range of Borrowers

DSCR loans open the door to financing for many individuals who might struggle with traditional mortgage qualifications, such as foreign nationals, retirees, and those with significant liquid assets.

Easier to Scale

If you go to a bank to get more properties, the debt accumulates faster than your income. Eventually you won't qualify for further mortgages. With DSCR loans, we do not consider your debt-to-income ratio. Not to mention, we require less documents and can close faster.

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