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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

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

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

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

Could not have been better!

I have never experienced this level of service or attention in my life! My loan guide made the process of getting a loan so easy, I felt like I had a personal assistant doing the work for me! Great rates, great customer service, every concern addressed instantly. I cannot think of any way Beeline could have made my home purchase better!

NathanielProvidence, RI

I'll be using them again

Beeline has a great team and did an amazing job getting my loan closed. I will be using them again.

DanielMelbourne, FL

Closed within 15 days!

They really stepped up when I needed them into and were able to close within 15 days! Outstanding service would definitely use them.

CaseyWillow Park, TX
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 640 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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Beeline offers DSCR loans in

AlabamaArizonaArkansasCaliforniaColoradoDelawareDistrict Of ColumbiaFloridaGeorgiaIllinoisIndianaIowaKansasKentuckyLouisianaMarylandMichiganMississippiNorth CarolinaOhioOklahomaPennsylvaniaRhode IslandSouth CarolinaTennesseeTexasVirginiaWisconsin