Buy Rental Property Without the Paperwork
DSCR loans qualify the property, not your tax returns.
How DSCR Loans Work
The property qualifies itself based on rental income.
What You Need
Simple requirements
- 25% down payment
- Property generates rental income
- Credit score 680+
- No tax returns required
Who Uses This
Perfect for investors
- Self-employed investors
- 1099 contractors
- High write-off business owners
- Portfolio builders
Frequently Asked Questions
Debt Service Coverage Ratio. It measures whether the property's rental income covers the mortgage payment. A DSCR of 1.0 means rent equals the payment; 1.25 means rent is 25% higher.
No. We can use an appraiser's market rent estimate for the property, even if it's currently vacant or newly acquired.
Yes. There's no limit to how many investment properties you can finance. Many investors use DSCR to build large portfolios.
DSCR rates are typically 0.5-1% higher than conventional investment loans. The trade-off is no income documentation required.
Ready to Skip the Paperwork?
See how to qualify without tax returns.