Let the property carry the loan
No tax returns. No employment verification. If the rent covers the payment, the deal can work.
DSCR, Debt Service Coverage Ratio, lending qualifies the property instead of the person. Underwriting asks one central question: does the rental income cover the mortgage payment? For investors scaling past what banks allow, it is the workhorse program.
The ratio, plainly
Divide the property’s rent by its full payment (principal, interest, taxes, insurance, HOA). At 1.0 the property carries itself; above 1.0 it cash flows. Many programs price best at 1.25+, and some lend below 1.0 at adjusted terms.
Speed and privacy
No tax returns and no employment file means less paperwork, faster underwriting, and your personal finances stay out of the transaction. Many DSCR files close on purchase market timelines.
Portfolio friendly by design
No cap on financed properties, LLC vesting, and cash out options for recycling equity into the next acquisition. DSCR is how rental portfolios actually scale.
Built for
- Rental property investors at any scale
- Self employed investors
- Investors closing in an LLC
- Short- and long term rental strategies
No credit pull for your initial consultation
Fair questions, straight answers
A ratio of 1.0 to 1.25+ opens most programs, with the best pricing above 1.25. Some lenders accept ratios below 1.0 with larger down payments. We price your exact scenario across the network.
For purchases, the appraiser completes a rent schedule establishing market rent, actual leases help but are not required. For short term rentals, some lenders use documented revenue or market data.
30 year fixed is the standard; interest only and ARM options exist. Expect roughly 20 to 25% down on purchases. Prepayment penalties are common on investment programs and are negotiable, we walk you through the options.
The best rate you will find is the one the market fights for.
Three minutes to start. No credit pull. No obligation. Real options from 175+ lenders.