Qualify based on property cash flow — not your personal income. DSCR, P&L, and bank statement loans for real estate investors and self-employed borrowers.
DSCR (Debt Service Coverage Ratio) loans let investors qualify based on a rental property's income — not W-2s or tax returns. Our team explains how DSCR is calculated, what lenders look for, and how to structure your next investment.
Watch this quick overview, then reach out to one of our licensed loan officers for a personalized rate quote.
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No W-2s. No tax returns. Just rental income — the way investing should work.
Lenders look at the property's rent vs. its mortgage payment (DSCR ratio), not your personal income or employment history.
Perfect for self-employed borrowers whose tax returns don't reflect their actual cash flow. Bank statements or P&L accepted.
Close in an LLC. Finance multiple properties. Build your portfolio without running into conventional loan limits.
Without income documentation requirements, DSCR loans often close faster than conventional investment property loans.
Many DSCR lenders accept Airbnb and VRBO income — we'll find you a lender that supports your rental strategy.
Our team has helped investors across PA, NJ, and OH structure DSCR, P&L, and bank statement loans for all property types.
Answers to the most common questions about dscr & investor loans.
Takes 60 seconds. No credit pull. A licensed loan officer will follow up with your personalized options.
Check My Rate — Free & InstantGet a feel for our people by watching the Loans, Mortgage Made Easy Podcast.
