DSCR Loans

Long-Term Financing Based on Property Income, Not Personal Income
Tired of jumping through hoops to prove personal income or submit piles of tax documents? With Debt Service Coverage Ratio (DSCR) loans, your ability to qualify is based on the income generated by the property itself — not your job, W-2s, tax returns, or debt-to-income ratio.
This makes DSCR loans a powerful financing tool for:

• Self-employed investors
• Landlords with multiple properties
• Real estate entrepreneurs scaling quickly
• Anyone who prefers privacy and asset-based underwriting

Close in an LLC, skip the tax returns, and scale your portfolio faster.
​DSCR Loan Benefits

• No Income Verification Required – No W-2s, tax returns, or personal bank statements
• Close in an LLC – Protect your credit and avoid personal DTI limitations
• Cash-Out Refinance Available – Leverage existing equity for new deals
• Build a Scalable Portfolio – Since DSCR loans don’t impact your DTI, you can secure multiple loans at once
• Flexible Use – Buy, refinance, or cash out on 1–4 unit rental properties
• No Personal Financial Disclosures – Keep your personal finances private

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​Use as a Portfolio StrategyDSCR loans aren’t just for individual properties — they can be structured as portfolio loans by cross-collateralizing multiple properties. This strategy allows you to:

• Leverage equity in one property to purchase another
• Save on closing costs
• Streamline financing into a single transaction
• ​Perfect for investors scaling fast or repositioning multiple rental units at once.
  
  

Why DSCR Loans Are Ideal for Today’s Market

• Works for self-employed or 1099 earners
• Helps you avoid long-term commitments to bank loans
• No impact on your personal credit or DTI when structured under an LLC
• Gives you maximum leverage and flexibility without paperwork headaches

Minimum loan size: $250,000

(407) 604-2320
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