Phenomenal from start to finish. I'm a real estate agent and refer all my clients here. Deep finance knowledge and a friendly demeanor make this my go-to lender for investment properties.
Real Results from Real Customers
Homeowners Trust HonestCasa
Simply the best! He jumped through hoops to get us our loan and was able to overcome every obstacle. He's so capable and we're in our brand new home thanks to him. Highly recommend.
As first-time buyers we had a ton of questions, and we never felt rushed. He broke everything down in plain English, gave us realistic numbers, and stayed available by text even after hours.
The broker before him tried to give us a fake rate and couldn't deliver. Our advisor was always honest and upfront and cared about our overall financial situation. Amazing experience.
Verified customer reviews · 4.89 ★ average
Individual results may vary. Testimonials reflect personal experiences and are not guarantees of outcomes.
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Why Choose DSCR Loans?
The investor-friendly loan program designed for portfolio growth.
No Income Docs
No W-2s, tax returns, or pay stubs. Qualify on rental income only.
Close in LLC
Take title in your business entity. Protect personal assets.
Unlimited Properties
No cap on financed properties. Scale your portfolio freely.
Competitive Rates
Starting in the mid-7% range for qualified borrowers.
How DSCR Loans Work
Three simple steps to financing your next investment property.
1
Calculate DSCR
Use our calculator to confirm the property's rent covers the mortgage. DSCR ≥ 1.0 to qualify, ≥ 1.25 for best rates.
2
Get Appraised
Order appraisal to confirm property value and rental income potential. Lender reviews property's cash flow.
3
Close Fast
Typical closing in 14-21 days. Take title in your LLC. Start collecting rent immediately.
DSCR Loan Requirements
Here's what you need to qualify for a DSCR loan.
Minimum Requirements
- DSCR Ratio: 1.0 minimum (1.25+ for best rates)
- Down Payment: 20-25% typical
- Credit Score: 680+ (700+ preferred)
- Property Type: 1-4 unit residential
Key Advantages
- No DTI Limits: Your personal debt doesn't matter
- No Property Cap: Finance unlimited properties
- LLC Friendly: Close in business entity
- Cash-Out Refi: Pull equity to buy more
DSCR vs. Conventional Rates
Understand the premium for flexibility and scalability.
| Feature | DSCR Loan | Conventional |
|---|---|---|
| Interest Rate | Mid-7% to 9% | Low-7% to 8% |
| Income Docs | None Required | W-2, Tax Returns |
| DTI Limit | No Limit | 43-50% Max |
| Property Cap | Unlimited | 10 Max |
| LLC Closing | Yes | No (personal only) |
| Typical Closing | 14-21 days | 30-45 days |
Bottom Line: While DSCR loans typically carry a 0.5-1.5% rate premium over conventional loans, the ability to scale unlimited properties, avoid income verification, and close in an LLC often makes them significantly more valuable for serious real estate investors.
Frequently Asked Questions
What credit score do I need for a DSCR loan?▼
Most lenders require a minimum credit score of 680, though 700+ is preferred for the best rates. Higher credit scores (740+) may unlock lower rates and more favorable terms.
Can I use DSCR loans for short-term rentals (Airbnb)?▼
Yes! Many lenders accept short-term rental income for DSCR qualification. You'll typically need to provide rental comps or a market analysis showing expected rental income from the property's location.
How is rental income calculated if the property is vacant?▼
For vacant properties, lenders use the appraiser's opinion of market rent. The appraiser will analyze comparable rental properties in the area to determine fair market rent value, which is used in the DSCR calculation.
Can I get a DSCR loan for my first investment property?▼
Yes, DSCR loans are available for first-time investors. Some lenders may require a higher down payment (30% instead of 20-25%) or stronger DSCR ratio (1.25+ instead of 1.0) for investors with no rental property experience, but it's definitely possible.
Are DSCR loans assumable?▼
Most DSCR loans are not assumable, meaning a buyer can't take over your loan when you sell. However, this varies by lender, so it's worth asking if loan assumability is important to your investment strategy.
Can I refinance a conventional loan into a DSCR loan?▼
Absolutely! DSCR cash-out refinances are very popular. You can pull equity from an existing rental property to fund additional investments, all without providing income documentation. This is a common strategy for scaling a rental portfolio.
Check Your Eligibility
Step 1 of 3: Property Details