DSCR Loans Qualify on the Property — Not You.

[Joyce Ann Magallanes]

No W-2. No tax returns. No income verification.

DSCR lending qualifies based on one thing — does the rent cover the payment? If it does, the property funds itself. Your personal income has nothing to do with it.

This is why DSCR works well for investors who write off everything on their taxes and look unprofitable on paper. The property tells the real story.

A few things worth knowing that most investors don't ask about:

Most lenders cap purchase at 80% LTV. We go to 85%.*

Most lenders cap cash-out at 75% LTV. We go to 80%.*

That extra leverage keeps more capital in your pocket — or in your next deal.

The program also includes a no-ratio option with no minimum FICO for properties that don't fit the standard DSCR calculation — and short-term rentals qualify too.*

Have you used DSCR before — or passed on a deal assuming you wouldn't qualify?

*On qualifying deals. Minimum 720 FICO on standard DSCR. Terms vary based on credit, property, and market conditions.