DSCR Loans for Real Estate Investors
No tax returns or income verification required. Qualify based on property cash flow from 260+ investor-friendly lenders.
No income verification
Up to 80% LTV
1-4 unit properties
Fast closings
What are you waiting for? Talk to us!
Enter your info below and we'll email you instantly.
Offers a competitive and flexible DSCR product to help investors tap into existing equity or build and scale long-term rental portfolios with ease.
What is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify based on the property's rental income rather than personal income. Perfect for self-employed investors, those with complex tax returns, or anyone building a rental portfolio.
How DSCR is Calculated
DSCR = Monthly Rental Income / Monthly Debt Payments
A DSCR of 1.0 means the property's rental income covers the mortgage payment. Most lenders prefer a DSCR of 1.25 or higher for the best rates, but we have programs starting at 0.75 DSCR.
DSCR Loan Requirements
Property Requirements
1-4 unit residential properties
Must be rented or ready to rent
Single family, condo, or townhome
Located in eligible states
Borrower Requirements
Minimum 620 credit score
Minimum 0.75 DSCR (property cash flow)
15-25% down payment
6-12 months reserves
Why Choose DSCR Loans?
No Tax Returns Required
Qualify without providing personal tax returns or W-2s. Perfect for self-employed investors.
Unlimited Properties
No limit on the number of financed properties. Scale your portfolio without restrictions.
Fast Closings
Streamlined process with closings in as little as 21 days. Beat the competition.
Competitive Rates
Access to 260+ lenders means competitive rates for your investment properties.
Flexible LTV Options
Up to 80% LTV for purchase and rate/term refinance. Cash-out options available.
Build Your Portfolio
Perfect for investors looking to grow their rental property portfolio quickly
Ready to Grow Your Investment Portfolio?
Get your free DSCR loan quote from 260+ investor-friendly lenders. No obligation.
Speak with an investment property specialist today
All product names, logos, and brands are property of their respective owners.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Copyright © 2026 | Anthony Galaviz
Licensed in: AZ, TX, GA, NM, CA, FL
NMLS #2018327
Address: 7840 S Sorrell Ln Gilbert 85298 AZ
Phone: 602-705-7983
Email: [email protected]
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
For licensing information, go to www.nmlsconsumeraccess.org
Copyright © 2026 | Anthony Galaviz -Mortgage Loan Originator | Powered By GoatGenie. All rights reserved. NMLS # · Privacy Policy · Terms of Service · NMLS Consumer Access