DSCR Loans for Real Estate Investors
The simplest way to finance rental properties.
Purchase or refinance investment properties using rental income instead of personal income. DSCR loans are the easiest way to build your real estate portfolio.
Why Choose DSCR Loans?
No Personal Income Needed
No DTI calculated, no personal income needed, no tax returns required. We even ignore all credit card debt.
Qualify Using Rental Income
Use rental income from the property to qualify. Interest-only payment options keep costs lower and improve cash flow.
Flexible Investor Solutions
1031 exchange purchases OK. AirBnB OK. Ideal for investors with multiple properties, complex finances.
How DSCR Loans Work
Discover flexible financing designed specifically for rental property investors.
Purchase financing
Qualify using rents from the subject property. minimal documentation needed, close in 15-21 days.
Cash out refinance
Pull cash out for renovations or another purchase, as part of your BRRRR strategy.
Perfect for beginners or seasoned investors.
DSCR is ideal for beginners, or investors with multiple properties. No maximum number of properties owned.
Multiple property types
Purchase or refinance 1-4 unit properties or condos. Versatile solution for portfolio growth.
No personal income needed
Credit card debt and all personal liabilities ignored. Use property cash flow to qualify, nothing else.
All investor experience levels
Perfect for first-time and experienced investors alike. Build your portfolio strategically.
Expert broker support
Work with Jackie Cuneo, a pro with 15+ years mortgage expertise and deep experience with DSCR loans.
Flexible guidelines
Use gift funds for down payment, rental income from vacant units, AirBnB income with 12mos history.
Frequently asked questions about DSCR loans
What is a DSCR loan and who qualifies?
A DSCR loan is a mortgage designed specifically for real estate investors that uses the rental income from the property itself to qualify—not personal income or tax returns. It's perfect for anyone investing in 1-4 unit rental properties, condos, even as part of a 1031 exchange, whether you're a first-time investor or own multiple properties.
How does qualification without tax returns work?
With DSCR loans, we look at the property's ability to cover its own costs, not your personal finances. We calculate the Debt Service Coverage Ratio (DSCR ratio) by comparing the monthly rental income to the total housing payment (mortgage, taxes, insurance, HOA). Your personal income, employment, and even credit card debt are completely ignored in the qualification process.
Can I use DSCR loans as part of a 1031 exchange?
Yes, absolutely. DSCR loans are ideal for 1031 exchange purchases, allowing you to move quickly without the hassle of providing extensive personal documentation. It's even OK to take title in an LLC, a trust, or in your personal name.
If you are doing a reverse exchange, we recommend purchasing the replacement property with short term financing, then refinancing any debt remaining on the new property after the relinquished property sells and proceeds are used to pay down the acquisition loan on the replacement property.
Tell me more about the interest only options.
DSCR loans offer flexible payment options, including interest-only payments that can lower the monthly payment, which can help properties qualify more easily by improving the property cash flow. Unlike other mortgage products, DSCR loans can use the interest-only payment when calculating debt service coverage.
How do I start the quick qualify process?
Getting started is simple. Use the Quick Qualify form on this page to provide basic information about your property and investment goals. We'll review the numbers and walk you through the qualification process. Even if you're outside California, we can help you determine if your property qualifies for a DSCR loan.