DSCRloans.net helps real estate investors qualify for Debt Service Coverage Ratio (DSCR) loans nationwide without tax returns, W-2s, or personal income documentation. Our loans qualify based on the rental income of the subject property, making them ideal for investors who want to scale portfolios, self-employed borrowers, and buyers with complex tax returns.
We fund single-family rentals, 2-4 unit properties, multifamily up to 10 units, short-term rentals (Airbnb, VRBO), mid-term rentals, and mixed-use commercial. Loan amounts run from $100,000 to $5 million, LTVs up to 80% on purchase and rate/term refinance, and up to 75% on cash-out refinance. Minimum FICO is typically 660, though 680+ unlocks the best pricing. There is no limit on the number of properties financed, and vesting in an LLC is standard.
Investors choose us because we offer competitive rates, 30-year fixed and interest-only options, 40-year amortization, 5/1, 7/1, and 10/1 ARM programs, and closings in as fast as 21 days. We also help clients coordinate DSCR HELOCs, bridge loans, hard money, cost segregation studies, and 1031 exchange strategies through vetted partners.
Start with a free rate quote or run numbers instantly with our DSCR calculator. If you're comparing lenders, our lender comparison guide breaks down the top DSCR programs nationwide.