DSCR Loans – Fast Financing for Rental Property Investors

Fast DSCR loans for rental property investors nationwide. Approvals are based on property cash flow — not personal income — so investors can close quickly and fund 1–4 unit residential rentals with confidence.

Nationwide funding with closings in as little as 14 days.

✅ Qualify Based on Property Cash Flow — No Income Docs
✅ 1–4 Unit Residential Rentals
✅ 660+ Mid Credit Score Required
✅ Loan Amounts from $75K to $1M
✅ Close in as Little as 14 Days
✅ Nationwide Funding

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What Are DSCR Loans?

DSCR loans (Debt Service Coverage Ratio loans) allow real estate investors to qualify for rental property financing based on a property’s rental income rather than personal income.
Instead of reviewing tax returns, W-2s, or debt-to-income ratios, lenders evaluate whether the property’s cash flow can cover the proposed mortgage payment.

This makes DSCR loans ideal for landlords, portfolio investors, and real estate entrepreneurs who want to scale rental properties without traditional income documentation.

How DSCR Loans Work

DSCR loans measure a property’s ability to service its debt using the Debt Service Coverage Ratio.
The ratio compares monthly rental income to monthly housing expenses, including principal, interest, taxes, insurance, and HOA dues when applicable.

Because qualification is tied to the property — not the borrower’s personal income — DSCR loans provide a flexible alternative to conventional rental property financing.

DSCR Loan Requirements & Program Terms

DSCR Loan Eligibility Requirements

DSCR Loan Terms & Features

DSCR Loans vs Conventional Rental Loans

DSCR loans and conventional rental loans both finance investment properties, but they qualify borrowers very differently.
For real estate investors focused on cash flow, DSCR loans often provide faster approvals and fewer documentation requirements.

Feature	DSCR Loans	Conventional Rental Loans
Primary Qualification	Rental income vs. debt obligations (DSCR)	Borrower income, DTI, and tax returns
Income Documentation	No personal income docs required	Full income verification required
Credit Score Requirements	Typically 660+ mid credit score	Often 700+ with stricter overlays
Property Types	1–4 unit residential investment properties	Owner-occupied or limited investment properties
Loan Limits	Up to $1,000,000	Subject to conforming limits
Closing Timeline	As fast as 14 days	30–60+ days
Best For	Buy-and-hold investors and rental portfolios	W-2 borrowers with strong personal income