DSCR Loans

Debt Service Coverage Ratio (DSCR) loans have become an increasingly popular option for real estate investors. Unlike traditional loans that depend on your personal income or credit history, DSCR loans are based on the property’s ability to generate income. This means that even if your personal credit isn’t perfect, you may still qualify for financing as long as the property itself can cover its expenses.

If you’re looking to purchase or refinance an investment property without providing tax returns, W2s, or pay stubs, a DSCR mortgage could be the ideal solution. These loans focus entirely on the property’s income potential rather than your personal financial documents.

With flexible qualification requirements, competitive rates, and down payments starting as low as 15% (depending on credit and DSCR strength), DSCR loans make it easier for investors to expand their portfolios with minimal paperwork.

This is one of the few true no-income-verification loan options available today — designed specifically for real estate investors who want simplicity, speed, and flexibility when building wealth through property ownership.