DSCR loans for investors are designed to qualify based on a property’s income—not your personal job or tax history. That means no pay stubs, no W-2s, and no income statements. Instead, we use the rent to determine if the property covers its own payment.

It’s fast, flexible, and yes—you can close in an LLC.

Why Real Estate Investors Choose DSCR Loans

If you’re building a rental portfolio or refinancing, DSCR loans can help. Here’s why:

  • No income or employment required
  • Close in an LLC, even for owner-occupied homes
  • Borrow up to 85% LTV on purchases
  • Loan amounts from $125K to $3M
  • FICO scores down to 620
  • First-time investors welcome
  • Use lease or market rent—whichever is higher
  • Asset depletion allowed to improve cash flow

How DSCR Loans for Investors Work

You qualify using the Debt Service Coverage Ratio:

DSCR = (Gross Rent × 0.80) ÷ Mortgage Payment

If that number is 1.00 or higher, the property qualifies. Even if it’s under, we offer No-Ratio options for strong borrowers.

This means your loan approval is based on the property—not your job.

Perfect for Long-Term and Short-Term Rentals

DSCR loans for investors are great for both long-term and short-term rental strategies:

  • No seasoning for cash-out refinance
  • Use current appraised value—even if rehab was recent
  • Vacant or listed properties allowed
  • 100% gift funds OK
  • First-time buyers eligible

LLC Closings Made Easy

You can close in an LLC and protect your assets while growing your portfolio. Here’s what we need:

LLC Documentation:

  • Articles of Organization
  • Operating Agreement
  • SS-4 form (EIN)
  • Consent to borrow resolution
  • No Certificate of Good Standing needed if newly formed (within 60 days)

LLC Rules:

  • Up to 4 natural person members
  • At least one must qualify and guarantee the loan
  • Borrowing members must own over 50%
  • All members must sign mortgage docs
  • LLC must be valid in property state

Get More from Your Rentals with DSCR Loans

Whether you’re buying your first duplex or cashing out on a vacation rental, DSCR loans for investors are a smart way to grow without traditional roadblocks.

Let’s run your numbers and get you qualified today.

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