DSCR - NON QM Loans

1. No personal income documentation

Your approval is driven by the property’s rental performance, not your tax returns or personal employment history.

2. Perfect for long-term rentals and short-term rentals 

Whether you’re building a traditional rental portfolio or entering the short-term rental market, DSCR loans offer versatile solutions.

3. 25% Down Payment for Stronger Leverage

Most DSCR programs require minimum 25% down, resulting in 75% LTV financing.

This structure helps investors:

• Secure better pricing
• Keep monthly payments manageable
• Maintain a healthier cash-flow buffer

4. Flexible property types

Single-family homes, 2–4 unit properties, condos, townhomes and many short-term rental-eligible homes may qualify.

5. Close faster than conventional loans

With fewer documents and streamlined underwriting, investors can move quickly when opportunities arise.

1. Qualify Based on Property Strength

No W-2s, no paystubs, no employer calls. Approval focuses on the rental income and DSCR ratio, making it ideal for self-employed investors, retirees, business owners and anyone who prefers asset-based qualification.

2. Build or Scale Your Portfolio Faster

With flexible documentation and faster closings, you can acquire more properties in less time, a major advantage in competitive markets.

3. Maintain Personal Financial Privacy

Your personal income stays out of the equation, giving you cleaner books and a stronger separation between your business and household finances.

4. Strong Cash-Flow Structures

The required 25% down / 75% LTV helps investors manage risk while maximizing long-term rental performance and stability.

5. Ideal for Rising-Income Markets

If rents are trending upward in your area, a DSCR loan helps you capitalize on improving cash flow without waiting for your own income to catch up.