DSCR Buy & Hold
Long-term rental properties qualifying on projected or actual rent.
Qualify on the Property.
Not the Paperwork.
DSCR loans for real estate investors — no tax returns, no W-2, no DTI drama. Your deal qualifies on what matters: the property's income.
Independent broker with 100+ DSCR lenders. Your deal goes shopping. We find the lender whose guidelines were built for your situation.
See how it works No tax returns required
As fast as 3 weeks to close
No hard pull to start
Any DSCR ratio considered
Even sub-1.0 — ask us
The Framework
We Look at Your Deal, Not Your Day Job.
Conventional lenders run your tax returns. We run the numbers on the property. One approach keeps investors stuck. The other gets deals done.
Conventional Lender
What they see
- Tax returns (2 years)
- W-2 / employment history
- Personal DTI ratio
- Self-employment documentation
- Business financials
If your income looks complicated on paper, you're stuck.
DSCR.Capital
What we look at
- Monthly rental income
- Property DSCR ratio
- Appraised value & LTV
- Market rent comps
- Your investment track record
If the property cash flows, the deal can work.
DSCR 101
How DSCR Actually Works
Forget everything you know about conventional underwriting. DSCR loans turn the property itself into the borrower — here's the math, in plain English.
The only formula that matters
DSCR = Monthly Rent ÷ PITIA
$2,400 rent ÷ $2,035 PITIA = 1.18 DSCR — the deal pays itself plus 18%.
The DSCR formula
Gross monthly rent ÷ PITIA (principal, interest, taxes, insurance, HOA). A 1.0 ratio means the property pays for itself. Above 1.0 is cash flow. Below 1.0 is still fundable.
Rent is the income
Underwriters use the lower of the lease in place or market rent from an appraiser's 1007 rent schedule. Your W-2, tax returns, and DTI never enter the file.
LTV, FICO, reserves
Pricing is driven by loan-to-value, credit score, and post-close reserves — not employment history. Stronger inputs unlock lower rates and higher leverage.
Sub-1.0 still funds
No-ratio and sub-1.0 DSCR programs exist for appreciating markets, value-add deals, and short-term rentals. The trade-off is LTV and rate, not denial.
What We Finance
Every flavor of DSCR investor financing.
Cash-Out Refinance
Pull equity from existing rentals — no income docs required.
Short-Term Rentals
Airbnb, VRBO, and furnished rentals using market rent comps.
Multi-Family (2–8 units)
Small apartment buildings and mixed-use investment properties.
Co-Living & Recovery Homes
Room-by-room rental models including sober living and recovery residences — qualified on actual or projected gross rents.
Portfolio Loans
Bundle multiple properties into one streamlined loan.
Land / Home Package
Manufactured homes on owned land — purchase or refi, treated as real property.
Specialty DSCR Programs
Foreign nationals, no-ratio DSCR, condotels, and other niche scenarios most lenders won't touch.
Not sure which product fits your deal? Tell us about it — we'll figure it out together.
The Specialist Advantage
Your Deal Goes Shopping.
Going direct to one lender is like getting one quote on a roof. We pit 100+ DSCR lenders against each other for the same deal — and bring you the winner.
100+ DSCR lenders, one phone call
We're not married to any single lender. Your deal goes shopping to the desks whose overlays — credit, LTV, property type, geography — fit your scenario.
Wholesale pricing, not retail
Brokers access wholesale rate sheets that retail lenders never publish. The same loan often prices a half-point better through us than through the lender directly.
A 'no' from one lender ≠ dead deal
When one lender says no, we already know which lender will say yes — and why. You don't restart the application. We do.
Meet Your Specialist
You're Working With a Specialist, Not a Call Center.
Alex Seri · DSCR Lending Advisor
I work exclusively with real estate investors — not W-2 homebuyers, not conventional purchases. Every loan I close is a DSCR loan, which means I know the product, the lenders, and the deal structures that actually get funded.
When you submit a deal here, you're talking to me — not a processor, not a call center. I'll tell you straight whether the deal works and what the numbers look like.
DSCR Lending AdvisorLicensed Mortgage AdvisorREI Loan Direct
Ready to See If Your Deal Qualifies?
No commitment. No hard credit pull. Just tell us about the property and we'll run the numbers.
After You Submit
①We review your deal within 1 business day
②You get a call or email from Alex directly
③Loan estimate in hand — no surprises
FAQ
Common Questions
Do I need tax returns?
No. DSCR loans qualify based on the property's income, not yours. We do not require personal tax returns, W-2s, or proof of employment.
What DSCR ratio do I need?
There's no hard cutoff. We work with ratios below 1.0 in some cases. What matters most is the full picture — property value, LTV, loan amount, and market rents.
Will you pull my credit?
Not to start. We review your deal details first. A soft pull may be used for pre-qualification; a hard pull only happens at formal application with your permission.
How fast can you actually close?
Our fastest closings have been under 3 weeks. Typical timeframes range from 3–5 weeks depending on title, appraisal, and lender conditions.
What property types qualify?
Single-family rentals, 2–8 unit multifamily, short-term rentals (Airbnb/VRBO), and some mixed-use properties. Reach out if you're unsure — we'll tell you quickly.
What states do you lend in?
We can lend in all states except NY and MA.
How It Works
Four Steps from Deal to Funded
01
Tell Us About Your Deal
Fill out our short intake form. Property address, estimated value, expected rent, and loan amount. No credit pull yet.
02
We Run the Numbers
Our team reviews the DSCR, LTV, and market comps within 1 business day.
03
You Get a Loan Estimate
Clear terms: rate, points, monthly payment. No surprises.
04
Close Fast
With title coordination and a streamlined process, we target closings in as little as 3 weeks.