No Tax Returns? No Problem. Qualify with Your Rental Income.

No Tax Returns? No Problem. Qualify with Your Rental Income.

DSCR Loans are built for self-employed borrowers and real estate investors who don't fit the traditional mortgage mold.

See If You Qualify

Why Choose a DSCR Loan?

  • No Income Docs Needed <p>Skip tax returns, W-2s, and pay stubs.</p>

    No Income Docs Needed

    Skip tax returns, W-2s, and pay stubs.

  • Cash Flow-Based Approval <p>We use your rental income, not your personal income.</p>

    Cash Flow-Based Approval

    We use your rental income, not your personal income.

  • Fast & Flexible <p>Close quickly with fewer underwriting hurdles.</p>

    Fast & Flexible

    Close quickly with fewer underwriting hurdles.

How Does It Work?

If your rental income covers the mortgage payment (typically 1.0x or more), you're good to go.

  • Property generates $2,000/month rent
  • Mortgage payment is $1,800/month
  • DSCR = 1.11 → You qualify

Who It's For (Target Profiles)

Ideal for These Borrowers:

  • Real estate investors
  • Entrepreneurs and freelancers
  • High earners with lots of write-offs
  • Borrowers using LLC or Corp ownership

Success Story


My CPA couldn't make my numbers work for a conventional loan. With a DSCR loan, Desmond got me approved and closed in less than 3 weeks!
-Marcus J.

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Frequently Asked Questions

What credit score is required?

Can I use Airbnb income?

Do I need experience as an investor?

Can I buy in an LLC's name?

Your cash flow tells your story - not your tax returns.

Let's help you grow your portfolio.

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