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DSCR — buy properties with no personal income

Apply in less than 10 minutes
More loan types
Get loan options fast
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Why go with us?

Use the rental income, not your personal income — get it done, then onto the next one

Tailored DSCR application

Tailored DSCR application

We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.

Use DSCR to get cash out

If there’s a lease there’s probably cash sitting in there — a downpayment to buy another property or maybe do some repairs and increase the rent.

Get clarity faster

You’ll get a reliable approval and loan options in quick time, so you can work out your ROI right then and there.

Fast, stress-free closing

Your Loan Guide and Beeline Tracker make sure there’s less back and forth and you’re always in the loop.

Watch the shortest path to DSCR

If applying in 10 minutes sounds too good to be true, watch it unfold in this quick video.

Reviews

Lender love letters

Dream team!

Chelsea and Jamie were a dream team- who made the process easy. Any time I didn’t understand something a quick email, text, or call and I would have an answer. This is my second time working with Chelsea and I want to keep her, and now Jamie, as my go to team for purchasing or refinancing investment properties. Thanks!

DeidraColumbia, SC

Great experience

Great experience throughout the loan process.

JulieAkron, OH

10 stars!

I have used their service twice. If I could provide 10 stars, I would! Both experiences have been great!

MikalMontgomery, AL
Pump your portfolio

There’s no limit to the number of properties you can own — your income won’t restrict you

  • Minimum 20% down payment
  • Credit score of 600 and up
  • Long and short term ok
  • 12 months’ rental or mortgage history
  • You can only grow your portfolio so much using personal income. So why not spread your wings and get into the world of DSCR?
  • Conventional loans rely on your personal income to support loan payments — so after a couple of properties, you max out your ability to borrow.
  • DSCR stands for Debt Service Coverage Ratio. The R is the ratio of the property’s gross rental income/debt. Debt includes principal + interest + tax + HOI. The higher the ratio the lower the interest rate.
  • While DSCR loans have advantages, rates are slightly higher so if you’re not maxed with other properties, a conventional loan may be better. We’ll help you decide.
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Not sure?

Chat to a Loan Guide about the shortest path to your DSCR loan

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