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Takes less than 3 minutes

Apply for a DSCR Loan

Finance your next investment property based on rental income — not your W-2. No tax returns, no DTI limits, close in your LLC.

No income docs
Close in 14-21 days
LLC friendly
Unlimited properties
Bank-Level Security
3-Minute Application
Fast Approval
Expert Support

Why Investors Choose DSCR Loans

The fastest path to growing your rental portfolio.

No Income Docs

Skip the W-2s, tax returns, and pay stubs. Qualify on rental income.

Close in Your LLC

Take title in your business entity and protect personal assets.

Unlimited Properties

No cap on financed properties. Scale your portfolio without limits.

Competitive Rates

Rates starting in the mid-7% range for qualified borrowers.

How It Works

From application to closing in three simple steps.

1

Apply Online

Complete our simple 3-minute application. No income docs, no fuss.

2

Get Matched

We match you with a DSCR specialist who reviews your property's cash flow.

3

Close Fast

Close in 14-21 days. Take title in your LLC and start collecting rent.

Start Your DSCR Loan Application

Fill out the form below and a specialist will reach out within 24 hours.

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Loan Details
Tell us about the loan you need

I confirm that I am the owner or customary user of this phone number and email address and that the information I provided is accurate. HonestCasa may share my information with a licensed loan professional for the purpose of reviewing my DSCR loan options.

DSCR Loan Requirements

What you need to qualify.

DSCR Ratio

Minimum 1.0 (rent covers mortgage). 1.25+ gets the best rates and terms.

Credit Score

680+ recommended. 720+ unlocks the most competitive rates and lowest down payments.

Down Payment

20-25% typical for purchase. Cash-out refinance up to 75% LTV available.

Common Questions

What documents do I need for a DSCR loan?▼
DSCR loans require minimal documentation compared to conventional loans. You'll typically need: a government-issued ID, bank statements (2-3 months), a signed lease agreement (if rented), entity documents (if closing in an LLC), and a property insurance quote. No W-2s, tax returns, or pay stubs are required.
How long does the approval process take?▼
Most DSCR loans can close in 14-21 days from application. Initial pre-approval can happen within 24-48 hours. The timeline depends on appraisal scheduling and how quickly you provide the required documentation.
Can I use Airbnb income to qualify?▼
Yes! Many DSCR lenders accept short-term rental income from platforms like Airbnb and VRBO. You'll need to provide rental income history or a market analysis showing expected rental income for the property's location.
Is this application a hard credit pull?▼
No. This initial application does not pull your credit. A credit check will only occur once you move forward with a specific loan officer and formally apply. This form simply helps us understand your needs and match you with the right specialist.
Can I apply as a first-time investor?▼
Absolutely! DSCR loans are available to first-time investors. Some lenders may require a slightly higher down payment (25-30% instead of 20%) or a stronger DSCR ratio for borrowers with no prior rental property experience.

Ready to Finance Your Next Property?

Join thousands of real estate investors who use DSCR loans to grow their portfolios without income verification.