DSCR Investment Property Loans

Qualify Based on Rental Income - Not Your Tax Returns

Get approved using the property’s cash flow instead of your tax returns. Our DSCR loans are designed specifically for real estate investors who want speed, flexibility, and scale.

Why Investors Use Our DSCR Loans?

• No W-2s or Tax Returns Required
• Qualify Based on Rental Income
• LLC & S-Corp Vesting Allowed
• Short-Term Rentals Eligible
• Up to 85% Financing Available

What Is a DSCR Loan?

A DSCR loan, or Debt Service Coverage Ratio loan, is designed for real estate investors. Instead of qualifying based on your personal income, we evaluate the property’s rental income to determine eligibility.

This allows investors to scale portfolios without providing tax returns, pay stubs, or traditional income documentation.

Eligible Property Types

• 1 to 8 Unit Residential Investment Properties
• Long-Term or Short Term Rental Properties
• Non-Warrantable Condos 

Basic Requirements

• Down payment required
• Seasoning for down payment and cash to close required
• Reserves may be required
• Credit Score of 600+ needed
• Cash-out proceeds may be used to satisfy reserve requirements

Why Work With Selective Lending?

• 22+ Years of Lending Experience
• Dedicated Investor-Focused Team
• Fast Response Times
• Flexible Structuring for Rental Properties
• Direct Communication From Application to Closing

States Available

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We lend this program in all states except:  

AZ, ID, MI, MN, NE, ND, NY, NV, OR, UT, VA, VT, SD.