DSCR Investor Loans
Answers to the questions I hear most from buyers, homeowners, and investors.
Program Highlights
✓ No personal income verification
✓ No W-2s or tax returns needed
✓ Qualify based on property cash flow
✓ Close in LLC or entity name
✓ Short-term rentals (Airbnb/VRBO) eligible
✓ Unlimited financed properties
✓ No W-2s or tax returns needed
✓ Qualify based on property cash flow
✓ Close in LLC or entity name
✓ Short-term rentals (Airbnb/VRBO) eligible
✓ Unlimited financed properties
Requirements
✓ DSCR 1.0+ (rent covers payment)
✓ 660+ credit score (best rates at 740+)
✓ 20-25% down payment
✓ 6 months reserves
✓ Lease agreement or market rent appraisal
✓ Investment property only (no owner-occupied)
✓ 660+ credit score (best rates at 740+)
✓ 20-25% down payment
✓ 6 months reserves
✓ Lease agreement or market rent appraisal
✓ Investment property only (no owner-occupied)
How DSCR Loans Work
DSCR loans are Non-QM products that qualify based entirely on the property's rental income divided by its monthly debt obligation (PITIA). A DSCR of 1.25 means the rent is 125% of the payment — lenders love that. The beauty is simplicity: no personal income docs, no DTI calculations, and you can close in an LLC. This is the go-to for real estate investors scaling a portfolio. I work with specialized DSCR lenders who offer competitive rates for both long-term and short-term rental properties. If your property cash flows, I can get it financed.
Get a DSCR Loan Quote
Brainy Vu · NMLS 2658103 · (949) 771-1575
Still Have Questions?
I'm always happy to chat — no pressure, no obligation.