DSCR LoansQualify by the property — not by you.

Debt-Service Coverage Ratio loans approve investment property financing based on the rental income the property generates, not your personal income.

Get Pre-Qualified Call (917) 536-8709

Modern luxury rental investment property with palm trees

Why borrowers choose this

Built around how youactually qualify.

Scale without limits

No cap on financed properties — keep building your portfolio at full speed.

Privacy and protection

Close in your LLC for liability shielding and cleaner tax structuring.

Short-term rental friendly

Airbnb and VRBO income counts — most banks won't even look at it.

No personal DTI

Your other mortgages don't disqualify you. The property pays for itself.

Program highlights

No personal income required
Vesting in LLC accepted
Short-term rentals (Airbnb) eligible
Unlimited financed properties

Typical requirements

Minimum DSCR typically 1.0–1.25
Credit score 660+
20–25% down standard

Ideal for: Real estate investors scaling portfolios

FAQ

Common questions

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