Hard Money Lending Nationwide for Real Estate Investors

DSCR
Loans.

No W-2s. No pay stubs. No income verification. We underwrite the asset — if the rental income covers the debt service, the loan qualifies. 30-year fixed options starting at 6.25%.

Get Terms → How It Works
Brick townhome rental property with curb appeal — flower boxes, manicured landscaping
Rates from 6.25% 30-Year Fixed Up to 80% LTV No W-2 or Income Docs LLC Required
Program Terms

Qualify on the
Property's Income.

DSCR loans underwrite the asset, not you. No need for W-2s, proof of income, or pay stubs. We look at whether the rental income covers the debt service — that's it.

DSCR Formula
Monthly Rent ÷ Monthly PITIA
PITIA = Principal + Interest + Taxes + Insurance + HOA
✓
Above 1.25x — Strong approval, best rates
→
1.0x — Break-even, still qualifies
✗
Below 1.0x — Does not qualify
No income verification · LLC required · 30-year fixed
Min Loan Amount
$75K+
No upper cap on most
Interest Rate
6.25%+
30-year fixed
Points (Origination)
0%+
Starting at zero
Max LTV
80%
Loan-to-value
Min Credit Score
620
FICO required
Prepayment Penalty
5/3/1yr
Step-down options
Income Verification
None
No W-2s required
Geography
Nationwide
All states except SD and ND
How It Works

Simple Process.
Fast Close.

Our DSCR process is designed to be fast and light on documentation — because we underwrite the asset, not your personal financial history.

Light Doc Checklist
  • Government ID
  • Lease (or market rent analysis)
  • LLC entity formation docs (required — all loans close in an LLC)
  • Property insurance quote
  • That's it — no W-2s, tax returns, or pay stubs
01
Submit Property Info
Share the address, purchase price or current value, and the monthly rent. We'll run a quick DSCR calculation and tell you where you stand right away.
02
Get Terms
We review the deal and provide loan terms. Our team reaches out quickly with rate, LTV, and term options tailored to your property and goals.
03
Light Doc Checklist
We send a short checklist — typically just ID, lease or rent analysis, and entity docs if applicable. No tax returns or income verification required.
04
Appraisal & Underwrite
We order the appraisal, confirm market rent, and finalize underwriting. The appraiser validates property value and supports the DSCR calculation.
05
Close & Cash Flow
Sign docs, close, collect rent. We can close in as little as 21–30 days once all conditions are met. Your long-term financing is in place — now scale.
FAQ

DSCR Loan
Questions Answered.

No. That is the core benefit of a DSCR loan — we do not require W-2s, tax returns, or pay stubs. We underwrite the asset. The rental income of the property is what qualifies the loan, not your personal income history. This makes DSCR ideal for self-employed investors, those with complex tax returns, or investors with multiple write-offs.
We require a minimum 620 FICO score for DSCR loans. This is lower than our rehab and construction products (which require 660) because the underwriting focus is primarily on the property's income — your credit still matters, but it's weighted differently.
We lend on 1–4 unit residential investment properties: single-family rentals, duplexes, triplexes, and quadplexes. The property must be leased (or have market rent support) on a long-term basis. Not eligible: commercial properties, 5+ unit multifamily, mixed-use, owner-occupied homes, and short-term rentals (Airbnb, VRBO, or any rental under 30 days). We need a standard long-term lease — short-term and vacation rental income does not qualify under our DSCR program.
Yes — unlike our rehab and construction loans, DSCR loans do have a prepayment penalty. We offer step-down prepayment options: 5-year, 3-year, or 1-year step down. This means if you sell or refinance during the prepayment period, a declining fee applies. We'll walk you through the options when we discuss your loan terms.
Yes — all DSCR loans must close in the name of an LLC. We do not lend to individuals on this program. Most serious investors prefer LLC vesting anyway for liability protection and clean accounting. If you don't have an entity yet, your attorney or a service like LegalZoom can typically set one up in a few business days. We'll need your formation documents (Articles of Organization, Operating Agreement, EIN letter) before closing.
We can close DSCR loans in as little as 21–30 days once all conditions are satisfied. Typical timeline is a bit longer depending on the appraisal and title, but our process is designed to move quickly so you don't lose time-sensitive deals.
Absolutely — this is one of the most common use cases. If you completed a BRRRR deal using one of our rehab loans, a DSCR refi is the natural next step: pull out your equity, lock in long-term financing, and repeat. We can structure the DSCR refi to happen as soon as the property is stabilized and tenanted.
Apply

Ready to Scale
Your Portfolio?

Submit your property details and we'll get back to you with loan terms. No income docs needed to get started.

Doing a BRRRR?
Fund your acquisition and rehab with our rehab loan, then refinance into a DSCR once it's stabilized. One lender for the whole cycle.
Transactional Funding → Rehab Loans →
✓
Application Received
We'll get back to you with loan terms quickly. Call 615-979-6260 with any questions.
Get Terms
DSCR loan inquiry — no income docs needed
Before you apply
  • Property: 1–4 unit residential only. No commercial, 5+ unit multifamily, or mixed-use.
  • Rental type: Long-term leases only. No Airbnb, VRBO, or short-term rentals.
  • Vesting: All loans close in an LLC. No individual borrowers.

1–4 unit residential only. Commercial, 5+ unit multifamily, and short-term rentals (Airbnb/VRBO) do not qualify.
Ready to scale your portfolio?
615-979-6260 Get Terms →