DSCR Loans
Qualify on rental income — no personal income docs
Debt Service Coverage Ratio (DSCR) loans are purpose-built for real estate investors. Qualification is based on the property's rental income relative to its debt obligations — not your personal income or tax returns.
20–25%
Min. Down Payment
620+
Min. Credit Score
$3M+
Max Loan
1.0x
Min. DSCR
Key Features & Benefits
- No personal income verification
- No tax returns required
- LLC / entity vesting allowed
- Short-term rental (Airbnb/VRBO) eligible
- Cash-out refinance available
- Unlimited financed properties
Best For
- Real estate investors
- Rental property buyers
- Portfolio builders
- LLC / entity borrowers
May Not Be Ideal If
- Primary residence purchases
- Properties with negative cash flow
- Borrowers with credit below 620
How It Works
Your Path to Closing
Property Analysis
We calculate the DSCR for your target property using current rent or market rent analysis to confirm qualification.
Pre-Approval
No tax returns or pay stubs needed. We issue your investor pre-approval based on the property's income potential.
Appraisal & Underwriting
The appraisal includes a rent schedule. Underwriting focuses on the property's cash flow, not your personal income.
Close & Start Collecting Rent
DSCR loans typically close in 21–30 days. Your LLC can be on title from day one.
Common Questions
Frequently Asked Questions
Free Mortgage Guide
DSCR Loans for Real Estate Investors — How They Work & Who Qualifies
Also Consider
Other programs that may fit your situation
Scale Your Portfolio Without the Income Paperwork
DSCR loans are the investor's secret weapon. Let's run the numbers on your next rental property.
All loan programs subject to credit approval. Rates, terms, and availability subject to change without notice. Not a commitment to lend. Capital Financial Group Corporation — NMLS #2547138. Equal Housing Lender. www.nmlsconsumeraccess.org