We fund DSCR loans in 50 states. Debt Service Coverage Ratio. If your rents are equal to or higher than the new mortgage payment, you qualify. Single Family Home, Townhouse, 2, 3, 4 unit and commercial multi family all accepted. Rates are reasonable. Purchase or Refinance. Cash out available on the refinance. No income required. 20% down needed for purchase. Will not lend in rural areas. Contact me at my website at Primeloansnow.com or here on BiggerPockets.