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510-786-8739 Schedule Zoom | CA DRE #01480904 · NMLS #300923
Home/Residential/DSCR Loans
Real Estate Investors · No Income Docs · LLC Eligible

DSCR Loans —
The Property Qualifies. Not You.

Debt Service Coverage Ratio loans are the investor's secret weapon. We qualify the loan on the property's rental income — not your W-2, not your tax returns, not your DTI. Just the cash flow of the asset itself.

Apply Now → Browse Investment Properties
Program Overview

DSCR Loan at a Glance

620
Min FICO
No income docs needed
80%
Max LTV
Standard program
$3.5M
Max Loan
DSCR Prime program
No
Income Docs
Property cash flow only
LLC
Eligible
Close in entity name
1-4
Units
Single to multi-family
How It Works

Understanding DSCR

DSCR stands for Debt Service Coverage Ratio. It measures whether a property generates enough rental income to cover its mortgage payments.

The Formula
Monthly Rent ÷ Monthly PITIA = DSCR
PITIA = Principal + Interest + Taxes + Insurance + HOA
DSCR ≥ 1.25
Best pricing & terms
DSCR 1.00–1.24
Standard pricing
DSCR 0.75–0.99
Available with adjustment
No Ratio / DSCR < 0.75
Available on DSCR ACE & Plus
Program Tiers

DSCR Program Options

DSCR Standard
Core Investor Program
Min FICO 620 · Up to 80% LTV · Up to $3.5M · Interest only available · 40yr fixed available · Foreign National allowed
DSCR Plus
Enhanced Features
DSCR < 1 allowed · Up to 80% LTV · Up to $2M · Foreign National allowed · 100% gift if LTV < 80% · Housing 0x30x12
DSCR ACE
Most Flexible
No DSCR ratio required · Rent free allowed (VOR not required) · C/O title seasoning not required · First time investor OK · Up to $3M
DSCR Prime
Best Rates
Min FICO 660 · DSCR < 1 allowed · Up to 80% CLTV · Up to $3.5M · Foreign National allowed · 100% gift if LTV < 80%
DSCR Loan FAQs

Investor Questions Answered

Can I close a DSCR loan in an LLC?
Yes — this is one of the biggest advantages of DSCR loans. You can close in an LLC, LP, or corporation name for liability protection and portfolio building.
What income documents are needed for DSCR?
None related to your personal income. Lender typically needs a lease agreement or rental market analysis (1007 form) to verify projected rental income.
Can I use short-term rental income (Airbnb, VRBO)?
Yes, on select DSCR programs. Short-term rental income is calculated differently — we use 75% of the gross rental income shown on platform statements.
Is DSCR available for first-time investors?
Yes — DSCR ACE and DSCR Plus specifically allow first-time investors. No prior landlord experience required.
Can I do a cash-out refinance with DSCR?
Yes, cash-out refinance is available on DSCR loans. LTV limits apply. Great for pulling equity to fund your next acquisition.
What states are DSCR loans available in?
DSCR loans are available nationwide — all 50 states. This is a NonQM product not subject to state QM restrictions.

Scale Your Portfolio with DSCR Financing

No income docs. No tax returns. No DTI calculations. Just the property and the cash flow. Let's get your next deal funded.

Apply Now → Call 510-786-8739 Browse Investment Properties
CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · Available Nationwide · Rates subject to change
MIA — Mortgage Intelligence Assistant
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SI MTG · CA DRE #01480904 · NMLS #300923 · Not financial advice
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