DSCR Loans

Unlock the door to investment success with our innovative DSCR product! Empower your clients to confidently invest in single-family or multi-unit properties — no tax returns necessary. Say yes to more, with our streamlined loan solutions.

DSCR Loan Program

A popular non-bank alternative for borrowers with 1-4-unit investment scenarios.

Program Overview

  • Loan size: $100,000 to $2,000,000
  • Purpose: Purchase, Refinance, Cash Outs
  • Loan term: 30-Year Fixed
  • Amortization: up to 30 years
  • LTV: up to 80%
  • FICO: 660
  • DSCR: 0.75x
  • Documentation: No tax returns required


When does a Debt Service Coverage Ratio (DSCR) loan make sense?

Are you facing mortgage roadblocks because of traditional debt-to-income ratios? Looking for a lending solution without the hassle of tax returns? Want to invest in property without relying solely on your own income? Or, do you own more properties than those pesky agency program limits allow? We’re here to help. Unlock your real estate potential with flexible lending that puts your needs first!


Eligible states: All except ID, HI, MI*, MT, ND, NV, SD, VT, WV, WY *MI is eligible for Single Family Rental loans

Unlock the potential of your real estate ventures with our tailored DSCR loans.

More eligible property types available for your clients.


1-4-unit attached/detached


Short-term rentals (Airbnb)


Warrantable and non-warrantable condos




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