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Investor

The property qualifies, not your tax return.

A DSCR loan approves a rental purchase on the debt service coverage ratio: the property's market rent divided by its full payment. At 1.0 or better the rent carries the loan. No personal income documents, and you can close in an LLC.

Qualifies onRent vs. payment (DSCR)
Minimum down20% to 25%
Minimum credit660
VestingPersonal name or LLC
See if I qualifyCall (856) 606-1070
4.4 on Google · 214 reviewsNMLS 13988Licensed in 15 states + DC
Who it's for

Is the DSCR investor purchase loan right for you?

  • Investors building a rental portfolio
  • Self-employed buyers who cannot document income the conventional way
  • Anyone who has hit the conventional limit on financed properties
  • Short-term rental buyers (some programs use STR income)
How it works

Three steps from here to closing.

Run the ratio

We estimate market rent from the appraisal and divide by the proposed payment including taxes and insurance.

Pre-approval and offer

Credit, assets and reserves reviewed; the entity documents if closing in an LLC.

Close

Typically 30 days.

What you'll need

Requirements at a glance.

  • DSCR of 1.0 or higher (some programs allow lower with more down)
  • Credit score of 660 or higher
  • Down payment of 20% to 25%
  • Reserves of 3 to 6 months of payments
  • One-to-four unit residential rental, long- or short-term
Straight talk

The upside, and what to weigh.

Why people choose it

  • No personal income, employment or tax return review
  • Unlimited financed properties with most programs
  • Close in an LLC for liability protection

Things to consider

  • Rates are higher than conventional investor loans
  • Prepayment penalties are common in the first years
Common questions

Asked on almost every first call.

What if the rent does not cover the payment?

Some programs accept a ratio below 1.0 with a larger down payment and higher rate.

Can I use short-term rental income?

Some programs use projected or documented Airbnb income; ask us for the current options.

Can I buy in an LLC?

Yes. The loan is made to the entity with you as guarantor.