Originations Up 35% in 2025

No W-2? No Problem.
Your Property's Rent Qualifies You.

Your CPA minimized your taxable income? That kills traditional loans. DSCR looks at property cash flow instead.

14 Days
Average Close Time
•
1.0 DSCR
Minimum Ratio
✓ No Personal Income Verification ✓ Self-Employed Welcome ✓ FICO 600+ OK
Use the DSCR Calculator (213) 877-4088
Fannie Mae Equal Housing Lender Freddie Mac

Get Your Investor Loan Estimate

3 quick steps. Takes 2 minutes.

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★★★★★ Rated 4.8/5
NMLS #286633 | Broker License #01873353
$
Total monthly rental income from this property
$
Insurance + Taxes + HOA + Property Management
$
6.5%
3%12%
The Smart Money Move

DSCR vs Traditional Mortgage:
The Investor's Advantage

See why real estate investors choose DSCR over conventional financing

🏦

Traditional Mortgage

W-2 Required
  • ✗ Personal income verification required
  • ✗ W-2s and tax returns needed
  • ✗ Strict DTI ratios (43% max)
  • ✗ 2+ years employment history
  • ✗ Business deductions hurt approval
  • ✗ 45-60 day approval process
Approval Rate for Investors ~20%
VS
Recommended
📊

DSCR Loan

Property Qualifies
  • ✓ No personal income verification
  • ✓ No W-2s or tax returns
  • ✓ Property cash flow qualifies
  • ✓ DSCR ratio ≥ 1.0 accepted
  • ✓ Business write-offs don't matter
  • ✓ Close in 14-21 days
Approval Rate for Investors ~75%
🎯

Stop letting tax write-offs kill your loan approval

DSCR loans use property income, not personal income. Your deductions are safe.

Check Your DSCR →
Interactive Tool

DSCR Qualification Calculator

See if your property qualifies in real-time

$1K$100K
$0$20K
$0$5K
$100K$10M
3%12%
Your DSCR Ratio 1.25 ✓ You Qualify!
Monthly Rent $3,500
Property Expenses -$800
Net Operating Income $2,700
Estimated Monthly Payment (PITI) $2,160
Monthly Cash Flow +$540

✓ DSCR ≥ 1.0 required. Your property qualifies!

Get Started
Simple Process

How DSCR Loans Work

Traditional banks want your W-2. We look at the property.

1

We Calculate DSCR

Monthly rent ÷ proposed mortgage payment = DSCR. Need 1.0 or higher to qualify.

2

No Personal Income

No W-2s, no tax returns, no paystubs. Just lease agreement and property appraisal.

3

Close Fast

Typical close in 14-21 days. Perfect for competitive offers and portfolio growth.

Live Market Intelligence

What's Trending in Smart Money

We monitor Reddit, finance news, and market data to surface the angles that matter

Trending Now

"DSCR Loan Experiences for New Investors"

Reddit's r/realestateinvesting shares real experiences using DSCR loans to scale rental portfolios without W-2 income verification.

r/realestateinvestingFeb 2026
Market Update

DSCR Rates Drop to 7.5% Range

Following Fed rate cuts, DSCR loan rates have fallen significantly. Investors are locking in rates before potential rebounds.

CBS News / BiggerPocketsFeb 2026
Pro Tip

The "1.0 DSCR Rule" Explained

Your rental income must equal or exceed your mortgage payment. A 1.2+ DSCR gets you better rates. We calculate this instantly.

Our AnalysisUpdated daily
Data Point

DSCR Originations Up 35% in 2025

More investors are using DSCR loans to scale without traditional income verification. The fastest growing loan type for investors.

BiggerPocketsJan 2026
Qualify without income docs DSCR investor loans — see your rate
See If I Qualify →