DSCR — buy properties with no personal income
Apply in less than 10 minutes
More loan types
Get loan options fast
Use the rental income, not your personal income — get it done, then onto the next one
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.
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
Get clarity faster
Fast, stress-free closing
Lender love letters
Beeline DSCR vs traditional investment property loans
| Feature | DSCR Loan | Traditional Investment Property Loan |
|---|---|---|
| What It Is | DSCR = Debt Service Coverage Ratio (property’s rental income/debt) | Relies on your personal income to support loan payments |
| Approval | Based on rental income (no paystubs, no W-2s, no tax returns) | Based on personal income and DTI |
| Paperwork | Less— no tax returns, no personal income verification | Extensive documentation required |
| Investor-friendliness | Designed for real estate investors, LLCs, and corporations | Often more restrictive — favors individuals over entities |
| Title vesting | Close in your LLC or your personal name | Typically you cannot close in an LLC |
| Property use | Long and short term rental OK | Typically long-term rental only |
| Borrowing limits | No limit to number of properties you can own | Personal income caps how much you can borrow |
What It Is
DSCR Loan
DSCR = Debt Service Coverage Ratio (property’s rental income/debt)
Conventional Investor Loan
Relies on your personal income to support loan payments
Approval
DSCR Loan
Based on rental income (no paystubs, no W-2s, no tax returns)
Conventional Investor Loan
Based on personal income and DTI
Paperwork
DSCR Loan
Less— no tax returns, no personal income verification
Conventional Investor Loan
Extensive documentation required
Investor-friendliness
DSCR Loan
Designed for real estate investors, LLCs, and corporations
Conventional Investor Loan
Often more restrictive — favors individuals over entities
Title vesting
DSCR Loan
Close in your LLC or your personal name
Conventional Investor Loan
Typically you cannot close in an LLC
Property use
DSCR Loan
Long and short term rental OK
Conventional Investor Loan
Typically long-term rental only
Borrowing limits
DSCR Loan
No limit to number of properties you can own
Conventional Investor Loan
Personal income caps how much you can borrow
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 640 and up
- Long and short term ok
- 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.
