DSCR Investment Property Loans — No W2s or Tax Returns Required
Get approved based on rental income, not personal income. Fast approvals and flexible terms for real estate investors.
Available DSCR loans on : Residential & Commercial 5-8 unit properties
A DSCR loan (Debt Service Coverage Ratio loan) is a real estate investor mortgage that qualifies the borrower based on the property’s cash flow, not their personal income. This makes it ideal for California investors who want to scale portfolios without providing tax returns, W‑2s, or paystubs.
DSCR loans are designed for rental properties, including long‑term and short‑term rentals
Borrowers can vest in the LLC, S Corp, Etc.
Seasoning for DP and Cash to Close is required.
Reserves maybe necessary.
Cash out can be used as reserves.
Non-warrantable condos allowed
Credit Score of 600+ needed
This means the property qualifies itself based on rent
We can lend this loan on all states except:
AZ, ID, MI, MN, NE,ND, NY, NV, OR, UT, VA, VT, SD
Various circumstances may affect loan qualification. All loan terms and information are subject to change without notice
