Qualify on Rental Income — Not Your Tax Returns
DSCR loans let you finance investment properties based on the property's cash flow. No W-2s, no tax returns, no employment verification.
What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the rental income the property generates — not your personal income. If the property's monthly rent covers the mortgage payment, you can qualify. It's the go-to financing tool for Florida real estate investors who want to scale their portfolio without the paperwork burden of conventional loans.
"If the property's rent covers the payment, you can qualify."
No W-2s. No tax returns. No employment verification. Just the property's income.
Why DSCR Loans Work for Investors
No Tax Returns Required
Qualify entirely on the property's rental income — not your personal income, W-2s, or employment history.
Close in 14–21 Days
Streamlined underwriting means faster closings than conventional investment loans.
Unlimited Properties
No cap on the number of financed properties. Scale your Florida portfolio without restriction.
Short-Term Rentals Eligible
Airbnb, VRBO, and other STR properties qualify using projected or actual short-term rental income.
LTV Up to 80%
Finance up to 80% of the property value on purchases and rate/term refinances.
LLC & Entity Vesting
Close in an LLC, trust, or other entity to protect your assets and simplify portfolio management.
How DSCR Qualification Works
Property Income Review
We look at the property's market rent or actual lease income to determine the DSCR ratio.
DSCR Calculation
DSCR = Monthly Rent ÷ Monthly PITIA. A ratio of 1.0 or higher means the property qualifies.
Credit & Asset Check
Minimal documentation — credit score, down payment, and reserves. No income verification.
Close in 14–21 Days
Fast underwriting and clear-to-close in as little as two weeks.
Common Questions
Ready to Finance Your Next Rental?
Let's talk through your property and find the right program. No tax returns. No hassle.
No obligation. I'll respond within one business day.