DSCR: Easier Financing Based on Cash Flow, Not Income
A Debt Service Coverage Ratio (DSCR) loan is a game-changer for real estate investors who want to qualify for financing without relying on personal income verification. Instead of using tax returns or W-2s, lenders evaluate the rental income of the property to determine loan eligibility—making it the perfect solution for investors looking to scale their portfolios hassle-free.
Why Choose a DSCR Loan?
No Personal Income Verification
Qualify based on property cash flow, not your job or tax returns.
Easier Approval Process
Designed for self-employed investors and those with complex finances.
Unlimited Property Financing
No cap on the number of financed properties, perfect for portfolio growth.
Flexible Loan Terms
Competitive rates, interest-only options, and long-term fixed-rate choices.
Fast Closings
Streamlined process to help you acquire properties quickly.
How DSCR Loans Work
Calculate the DSCR
Lenders compare the property’s rental income to its loan payments.
Meet the DSCR Requirement
A DSCR of 1.0 or higher typically qualifies, meaning rental income covers or exceeds loan payments.
Apply & Get Approved
With no income docs required, approval is fast and simple.
Fund Your Investment
Close quickly and expand your real estate portfolio with ease.
Proven Success. Real Growth. Investor Stories.
Success Stories from BRRRR Cash Clients
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Is a DSCR Loan Right for You?
If you’re an investor looking for simplified financing based on rental income, a DSCR loan is the perfect solution. Whether you’re growing your portfolio, refinancing, or acquiring new rental properties, we’re here to help you secure the funding you need.