DSCR Loans —
Qualify on the Property. Not Your Tax Returns.
Investment property financing based on rental income. No W-2. No tax returns. No personal income verification. LLC closing available.
The Loan That Qualifies on the Property — Not You.
DSCR stands for Debt Service Coverage Ratio. It's a Non-QM loan product that evaluates whether the rental income from an investment property can cover the mortgage payment — instead of qualifying you based on your personal income, W-2s, or tax returns.
This is the program real estate investors use to scale a portfolio without their personal income becoming the bottleneck. Self-employed investors with heavy write-offs. Business owners showing low taxable income. Investors with multiple properties already financed. DSCR is built for all of them.
"The property qualifies. You own it. That's the deal."
What Makes DSCR Different
No W-2s. No 1040s. No personal income documentation. The property's rental income is the qualifier.
Close in an LLC or other business entity. Most conventional investment products don't allow this — DSCR does.
No conventional 10-property cap. DSCR is designed for investors actively building a rental portfolio.
Some DSCR products allow short-term rental income documentation including Airbnb and VRBO income history.
DSCR products are available to foreign nationals investing in US real estate — without US credit history requirements.
Cash-out refinance on existing investment properties using DSCR — no income verification required.
Built for Real Estate Investors
Frequently Asked Questions
What credit score do I need for DSCR?
How much do I need to put down?
What if the property doesn't have rental history yet?
Can I use DSCR for a short-term rental like Airbnb?
What property types qualify for DSCR?
Serving Louisiana, Mississippi, Florida, Texas & 5 More States
Based in Baton Rouge, Louisiana — serving Denham Springs, Livingston, Gonzales, Walker, Zachary, New Orleans, Shreveport, Lafayette, and Lake Charles. Mississippi: Jackson, Gulfport, Biloxi, Hattiesburg, Mendenhall, Vicksburg. Florida: Tampa, Orlando, Jacksonville, Naples, Boynton Beach, and statewide. Texas: Houston, Dallas, San Antonio, Austin, and statewide.
