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DSCR Investment Property Loans

Qualify based on rental property income, not personal W-2 debt-to-income.

DSCR & Investor-Friendly Rental Property Financing

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How It Works

Built Around Your Real Financial Picture

Debt Service Coverage Ratio (DSCR) loans evaluate the cash flow generated by the target rental property itself. If the property's projected rental income covers the mortgage payment, you qualify — without tax returns, paystubs, or personal employment verification.

That means real estate investors can scale a portfolio without the personal-income ceiling that kills conventional investment loans. Finance long-term rentals, short-term Airbnb/VRBO properties, and even close in an LLC. I help investors structure each deal to maximize cash flow and keep the pipeline moving.

Program Highlights

Qualify using projected rental income — DSCR as low as 0.75
No personal tax returns, W-2s, or employment verification
Available under LLCs — not reported on your personal credit
Finance short-term rentals (Airbnb/VRBO) and long-term rentals
Unlimited properties — build your portfolio without hitches
Ideal For: Real estate investors, landlords, short-term rental operators
Tailored Mortgage Guidance

Want to see if this is the right fit for you?

Every client's financial situation is unique. I review your scenarios personally and get you straight answers within hours, not days.

Start Online Pre-ApprovalOr call (480) 343-8081
No credit hit for an initial strategy conversation.
Common Questions

DSCR Investment Property Loans — Answered

Straight answers to the questions I hear most about this program.

Many lenders want a DSCR of 1.0 or higher, but I have access to programs that qualify down to a 0.75 DSCR — meaning the property's rent only needs to cover about 75% of the mortgage payment (principal, interest, taxes, insurance, and HOA). Stronger ratios unlock better pricing, but a slightly below-breakeven property can still close. Send me the numbers and I will tell you exactly which program fits.

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