Qualify on the Rent. Not Your Tax Returns.
Build your rental portfolio without tax returns or W-2s. DSCR loans qualify on the property's cash flow, close in your LLC, and are available nationwide. See your rate in 60 seconds, no credit impact.
Why the DSCR loan wins
Our guarantee
Bring us any Loan Estimate and we'll show you, side-by-side, whether you're overpaying. Free, no credit pull — and if yours is better, we'll tell you.
Borrowers who use an independent mortgage broker save an average of $9,400 over the life of the loan compared to retail lenders.
Source: independent analysis of HMDA mortgage data. Savings vary by loan amount and scenario.
Just want to thank Jerald Acosta for helping a Veteran achieve home ownership. I now have a foundation to which I can build on.
Qualify on the rent, not your income
A DSCR loan looks at whether the property pays for itself. We divide the property's rental income by its full mortgage payment — principal, interest, taxes, insurance, and any HOA. A ratio of 1.0 means it breaks even; higher is stronger. Many programs still work below 1.0 with a pricing adjustment.
No tax returns, W-2s, or job history
There's no personal income or employment verification and no debt-to-income calculation. That's what makes DSCR ideal for self-employed investors, business owners, and anyone whose tax returns don't reflect their real buying power.
Down payment & credit
We can do a DSCR loan with a down payment as little as 15%! Pricing improves as your credit score and down payment go up. Credit requirements typically begin in the low-to-mid 600s, and a few months of reserves are usually required.
Close in an LLC
Take title in your LLC or other business entity to keep the property separate from your personal name — the way most serious investors want to hold real estate.
Property types
Single-family homes, condos, and 2–4 unit multifamily all qualify, and many programs allow short-term rentals (Airbnb / VRBO). These are non-owner-occupied, business-purpose loans.
Buy, refinance, or pull cash out
Use a DSCR loan to purchase your next rental, refinance an existing one into a better structure, or take cash out of a property you already own to fund the next deal and scale your portfolio.
When a DSCR loan isn't the right fit
If you're going to live in the property, an owner-occupied FHA, VA, or conventional loan will almost always beat a DSCR loan on rate and down payment — and we'll tell you so. DSCR also depends on the property cash-flowing; if the numbers don't work, we'd rather help you find a deal that does than force the loan.
What will my payment be?